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State Library 



OF 



MASSACHUSETTS. 

A. 



Return as Soon as Used. 



\ 



PUBLIC DOCUMENT. No. 9. 



THIRTY-SIXTH ANNUAL EEPOET 



OF THE 



Insurance Commissioner 



OF THE 



Cnmmnnbttaltjj of Ulassar^s^lts* 



January 1, 1891. 



PABT II 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1891. 






JL 4 



I 5*-* 



TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v 

Fixed Premium Life Insurance, v 

The Massachusetts Companies, vi 

Massachusetts Business, vi 

The Industrial Business, vi 

Industrial Business in Massachusetts, \ii 

Assessment Insurance, viii 

The Dissolving Assessment Corporations, ix 

The Endowment and Bond Craze, x 

The Wild Cats from Other States, xiii 

Statistical Tables, Ratios, etc. (Regular Life), xv 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., . xvi 

Table B. — Ratio of Real Estate and other Investments to Gross Assets, . xviii 

Table C. — Disbursements in Detail, xxii 

TableD. — Ratio of Expenses to Mean Amount insured xxvi 

Table E. — Claims by Death in 1890, with Ratios, etc xxviii 

Table F. — Policies issued, terminated and gained in 1890, .... xxx 

Table G. — Classification of Policies and Insurance in force, . . . xxxii 

Table H. — Policies ceased in 1890, with Mode of Termination, . . . xxxiv 

Table I. — Massachusetts Business, 1890 xxxvi 

Summary of the Business of Assessment Life and Casualty Companies, xxxix 

Table 1.— Assets, Income and Expenditures, xl 

Table 2. — Certificates issued, ceased and in force, with Massachusetts 

Business, xlii 

Fraternal Beneficiary Associations : 

Table 3.— Title, Location, Officers, xliv 

Table 4. — Income, Expenditures, Assets, Membership, .... liv 

Assessment Endowment Corporations: 

Table 5. — Assets, Membership, etc., Ixiv 

Table 6. — Expense Fund, Benefit Fund, etc., Ixviii 



iv TABLE OF CONTEXTS. 



DETAILED STATEMENTS. 

Massachusetts Life Insurance Companies, 1 

Life Insurance Companies of Other States, 39 

Accident and Guarantee Companies, • 

Massachusetts Assessment Life Insurance Companies, .... 219 

Assessment Life and Casualty Companies of Other States, . . . 247 

Frateknal Beneficiary Associations, 

Assessment Endowment Corporations, 311 

Life and Accident Companies of Other States, with Amount of Business 
done by Each, 

List of General Agents authorized to act for Life and Accident Companies, 



Commontoealtjj of Ulassatjrasetis. 



Inslbance Department, Boston, May 8, 1891. 

To the Honorable Senate and House of Representatives. 

Herewith is submitted, in compliance with the requirements 
of the statute, Part II. of the thirty-sixth annual report of this 
department relating to life and casualty insurance, and contain- 
ing also abstracts from the reports of the assessment, fraternal 
beneficiary and assessment endowment corporations. 

Fixed Premium Life Insurance. 

The record of 1890 shows a large increase, although the ratio 
of gain did not equal the phenomenal figures of the previous 
year. The substantial growth, however, will be seen by the fol- 
lowing summary of the business of the companies transacting 
business in Massachusetts : — 



1889. 



1890. 



Policies issued during the year, 

Amount issued, . 

Policies in force at close, 

Amount in force, . 

Gain in number of policies, 

Gain in amount, . 



237,539 

$758,152,459 

1,094,601 

$3,064,711,768 

114,087 

$371,670,792 



265,164 

$830,460,272 

1,213,442 

$3,432,602,890 

122,658 

$370,365,850 



These aggregates do not include 2,506,554 industrial policies, 
covering $277,793,527 of insurance of the three companies 
engaged in this branch of business. 

The number of companies has been changed only by the 
withdrawal of the Vermont Life. 



vi REPORT OF THE 

The gross income of all of the companies was nearly nineteen 
millions greater than in the previous year, while the gross 
expenditures were increased not quite twelve millions. The 
gross assets were increased $51,697,039. The aggregate sur- 
plus, as regards general and special policy-holders, shows an 
increase during the year. The total payments to policy-holders 
reached the sum of $84,537,112, while the entire amount of 
dividends to stockholders was $357,247. 

The Massachusetts Companies. 

The five companies of this Commonwealth had altogether a 
prosperous year. The results show an increase even greater 
than during the year previous, their gain being 6,430 policies, 
covering $20,418,306. At the close of the year these compa- 
nies had in force, not including the industrial business of the 
John Hancock, 80,960 policies and $220,739,343 in insurance; 
the amount paid to policy-holders was $5,955,220. During the 
year the triennial examination required by law was made of the 
Massachusetts Mutual and State Mutual. The result was in 
every respect satisfactory, the securities being of unquestioned 
value and the methods of business such as command approval 
and commend to confidence. 

Business in Massachusetts. 
Excluding the industrial business, there were written on 
Massachusetts lives, during the year, 13,603 policies, covering 
$36,380,401, an increase over the figures of the previous year ; 
of these, 3,130 policies, amounting to $8,126,912, were written 
by the Massachusetts companies. At the close of the year 
there were in force on Massachusetts lives 79,870 policies, 
covering $222,464,435 ; a little more than one-fourth of this 
business is in our domestic companies. Massachusetts claims 
were paid during the year to the amount of $3,643,929, of 
which $954,880 was by our home companies. 

The Industrial Business. 
The growth of this branch of the business of life insurance 
has exceeded even the swift increase of previous years : the 
following table shows the results of 1889 and 1890 in com- 
parison : — 



INSURANCE COMMISSIONER. 



vn 





1889. 


1890. 




Policies. Amount. 


Policies. 


Amount. 


John Hancock, . 
Metropolitan, . 
Gerrnania, . 


320,264 
1,849,113 

8,276 


$36,365,419 

200,829,929 

947,704 


402,147 

2,096,595 

7,812 


$45,772,709 

231,115,440 

905,378 


Total, . 


2,177,653 $238,143,052 1 2,506,554 

II 


$277,793,527 



The following shows the business in force in Massachusetts 
of the John Hancock and Metropolitan at the end of the 
year : — 

Industrial Business in Massachusetts. 





1889. 


1890. 




Policies. 


Amount. 


Policies. 


Amount. 


John Hancock, . 
Metropolitan, . 


44,132 
171,188 


$5,011,189 
18,592,532 


61,424 

191,888 


$6,991,280 
21,152,525 


Total, . 


215,320 


$23,603,721 

i 


253,312 


$28,143,805 



It will be seen that the industrial policies of the John 
Hancock average $115 in amount and those of the Metropolitan 
$123.6. The former company paid last year for losses in 
Massachusetts $37,251, and the latter $84,032 more than in 
1889. 

During the session of the Legislature the present year an 
order was presented and considered by the insurance com- 
mittee, looking to the restriction of insurance upon infantile 
lives and the forbidding of insurance upon any life with- 
out the knowledge of the person insured. It was shown, 
however, that the companies now use every precaution to pre- 
vent the latter, and it did not appear that under the practices 
of the companies engaging therein additional safeguards against 
imposition nor in the line of a better public policy could well 
be applied to the former, and the report of the committee, 
" inexpedient to legislate," was accepted without dissent. 



viii REPORT OF THE 

In this connection, however, the commissioner would repeat 
and emphasize the suggestion, twice before made in these 
reports, that when any company effects insurance upon a life, 
without medical examination, it should be forbidden from 
setting up, as a bar to any claim, alleged misrepresentation by 
the insured as to his family history or his physical condition at 
the time the policy was issued ; and further, the burden of proof 
of age at the time the policy was issued should not be upon the 
claimants in any case where medical examination is omitted. 
Doubtless four-fifths of the misunderstanding, disappointment 
and loss in this class of business, now grown to vast magnitude, 
arise from these grave defects in industrial methods, which 
ought to be speedily and radically remedied. 

The provision as to the size of type attaching to the standard 
fire policy ought to be made applicable to these applications, 
and to all provisions of the policy in any degree modifying or 
controlling the contract of industrial life insurance. Important 
restrictions, in many instauces reducing by one-half the amount 
written in the policy, ought not to be permitted when printed 
in type so small as to be almost invisible to the naked eye ; it 
is difficult to 'perceive why this should be forbidden in the case 
of a fire policy and permitted, as at present, in these contracts 
of vastly greater consequence. 

Assessment Insurance. 

The tendency towards consolidation continues among the 
business assessment corporations, — practically only four of 
the death benefit organizations remaining in the Commonwealth, 
and two of these having a comparatively small membership ; 
the other two are increasing in numbers and indicate an appar- 
ently healthy condition. The last Legislature enacted a new 
statute governing this business, making provision for the return 
to members of a portion of the emergency fund when the latter 
was in excess of the amount of two assessments upon the entire 
membership. 

The Massachusetts statute defines assessment insurance as 
benefit contracts conditional "not upon fixed payments " but 
upon the collection "from time to time" of assessments. It 
is to be regretted that some assessment corporations of other 
States have issued certificates and explanatory literature in 



INSURANCE COMMISSIONER. ix 

which the assessment feature is so cleverly disguised that the 
ordinary reader would easily, indeed naturally, be led to 
believe that he was securing a fixed premium policy, no one but 
an expert being able to discover the unlimited assessment 
feature hidden in some obscure paragraph. There is no ques- 
tion that this is contrary to the spirit of the law, and it ought 
to be therein expressly prohibited. It is only just to the public 
that the insured should in all cases have it made clear and plain 
what class of insurance is presented to him, and then allow him 
to intelligently choose for himself, and there ought to be no 
sailing under a false flag. 

During the year quite a list of assessment corporations have 
closed their affairs : the New England Relief Association of 
Boston transferred most of its members to the Massachusetts 
Benefit Association ; the Fraternal Accident Association of the 
Improved Order of Red Men of Clinton voted in January, 1890, 
to close business and to apply for a receiver ; the Young 
Men's Relief Association of Westfield and the Life and Casualty 
Assurance Association of Boston have also ceased to exist. 
Of foreign corporations, the Life and Reserve Association of 
Buffalo withdrew from Massachusetts, and the Ohio Valley Life 
Company transferred its members to the Life- Maturity Com- 
pany of West Virginia. 

Of the fraternals, the Odd Fellows Mutual Relief Associa- 
tion of Cambridge transferred its members to the Odd Fellows 
Protective Union. The following have ceased business : Odd 
Fellows National Health and Accident Association, Westfield; 
Boston Relief Association of the United Order of the Golden 
Cross, Boston ; Independent Order of American Hebrews, 
Boston ; R. W. Grand Council Independent Order of Mystic 
Brothers, Boston ; Sons of Veterans Association, Lowell ; St. 
Joseph Union, Wayland ; Zylonite Benefit Association, Adams. 
The two last-named corporations were formed in 1890, and 
closed their affairs before making any report. 

The Dissolving Assessment Corporations. 

Since the last report the receiver of the Massachusetts Safety 
Fund Association, Charles Robinson, has submitted a supple- 
mentary report of the affairs of this corporation, showing that 
of the amount previously ordered by the court paid to con- 



x KEPORT OF THE 

tributors there remains uncalled for $144.64. Additional 
claims have been proven to the amount of $2,040, upon which 
the court ordered paid a dividend of 128 per cent., amounting 
to $2,611.20, the receiver to hold the remaining $721.28 of the 
fund for future distribution as claims might be proven. There 
was also in the hands of the receiver $386.60, being the accre- 
tions of the fund, which the receiver was allowed for services. 
The receiver was directed to make a further report at the expira- 
tion of six months from March 14, 1891, the date of the decree. 

In the matter of the Massachusetts Standard Benefit Company, 
the receiver, Geo. L. Huntress, filed his final account April 
27, 1891, showing that under decree of the court of Oct. 1, 
1890, he had paid a dividend of 22 per cent, to six claimants, 
with sundry minor expenses amounting to $400.72, the entire 
sum in his hands, and the receivership was closed. 

The final report of Geo. M. Stearns, receiver of the Equita- 
ble Mutual Relief Society, was filed in the supreme court April 
9, 1890, and a decree made closing the business of the corpora- 
tion. The funds in the hands of the receiver had grown by 
accretions to $7,679, from which payments for costs and 
receiver's services were made to the amount of $983, and the 
balance paid pro rata upon ten claims allowed, being $6,696. 

The affairs of the United States Mutual Accident Association 
were closed during last year, by decree of the court, a dividend 
of 88 per cent, being paid on claims allowed. 

The Endowment and Bond Craze. 

It is doubtful if, since the famous South Sea bubble, such a 
gambling mania has seized an intelligent people as that devel- 
oped in the spread of the assessment endowment and its natural 
and legitimate offspring, — the bond investment insanity. The 
predicted immediate result of the growth of the former is seen 
in a marked degree in the small increase in membership of the 
fraternal associations which pay only death and disability 
assessments, which, indeed, have been brought very nearly to a 
stand-still through the fierce rivalry of corporations whose plans 
are only an exemplification of that miraculous scheme of finance 
underlying the now disrupted bank of the notorious Mrs. Howe, 
and it is not clear that the Commonwealth, after granting its 
broad seal to the charters of the assessment endowment 



INSURANCE COMMISSIONER. xi 

corporations, ought not in fairness to make reparation and 
apology to Mrs. Howe for destroying her pet institution of 
finance. Step by step the managers of these institutions are 
themselves justifying the criticisms originally made by this 
department upon the plan of operations. In the original 
statute, formed just as the promoters of the scheme desired, 
twenty per cent, of assessments was the amount fixed for the 
reserve fund. Last winter the officers came to the Legislature 
confessing failure on this basis, asking that the limit for the 
reserve be raised to fifty per cent. ; this was done, and just one 
year later the demand was made for a still higher limit, and the 
original twenty is about to be increased to eighty-five per cent. 
In this connection it is interesting to recall some of the predic- 
tions made as to the pioneer of these corporations, — the Iron 
Hall, — when it was seeking, three years ago, legislation to legal- 
ize its existence in Massachusetts. In reply to statistics by the 
insurance commissioner demonstrating the absurdity of its 
pretensions, that corporation presented to the Legislature an 
elaborate computation, showing its anticipated increase of 
membership, lapses and payments through a series of years. 
A comparison of these predictions with the actual results, as 
shown by its reports, demonstrates that it is safer to prophesy 
after you know. In this printed statement the increase in 
membership during 1890 is estimated at 24,781 ; it actually 
was but 8,041. The total membership at the close of same year 
was estimated, deducting lapses, at 74,343 ; it actually was but 
53,906. The terminations by lapse during 1890 were estimated 
at 8,260; the actual number was 2,897. And as an illustra- 
tion of how little the officers of this corporation know as to the 
actual condition of its affairs, the number of maturing certifi- 
cates during 1890, the simplest matter of book-keeping, is in 
this pamphlet stated to be 794, when the report to this depart- 
ment shows the number actually paid to have been 898, an 
excess in payments of $104,000, less advances made on account 
of sickness, and this, like all of the discrepancies, against the 
corporation. The number of assessments necessary to be made 
in 1890 to successfully carry out the scheme was stated in this 
official pronunciamentoto be twelve ; in fact, the corporation 
did levy eighteen, just fifty per cent, increase in cost over its 
own prophetic exposition of "The Problem Solved." These 



xii REPORT OF THE 

figures from its own official reports are the best possible con- 
firmation of the declaration three years ago, and since, of this 
department, that the scheme of the Iron Hall, as presented, 
was morally wrong and mathematically impossible. 

The accompanying tables from the annual reports show the 
membership, the collections for the benefit and endowment fund, 
the deposit with the treasurer of the Commonwealth, the amount 
collected for expenses, and the expenditures of all the Mast 
chusetts assessment endowment corporations to the close of the 
year 1890. A comparison of the collections for the endowment 
fund and for expenses of some of these companies will prove 
more instructive than pleasing reading for the certificate holders. 
In the aggregate it will be seen that to place $1,363,392 in the 
endowment fund cost the membership an additional $1,286,754 ; 
that is, the certificate holders have thus far paid nearly two 
dollars to get one into the fund, from which they expect to 
realize about three dollars for one. 

The Legislature, at the last session, wisely declared by statute 
that no more of these corporations should be chartered. On 
the date when this law took effect fifty-four charters had been 
granted ; of these, three have either not begun or early dis- 
continued business, and one corporation organized to transact 
a death and disability business has since engrafted an endow- 
ment feature, leaving fifty-two Massachusetts and two foreign 
corporations now issuing these certificates. The public greed 
for quick realization of anticipated profits led to the cutting 
down of the term for which certificates were issued by different 
corporations to five years, then three, two, one, and finally six 
months. While, naturally, the lapse element — a phase which 
Massachusetts thirty years ago declared vicious and immoral and 
prohibited by statute, lapse which is simply the confiscation 
of the cash of another — will be somewhat greater anions: the 
membership holding certificates for a long term than in those of 
the shorter period, it has been shown from actual experience 
how trifling this is as an element of accretion, and the principle, 
or want of principle, is precisely the same in a six month as 
in a ten year corporation, the grotesqueness of the scheme 
differing only in degree. An attempt has been made to practi- 
cally nullify the statute forbidding the granting of additional 
charters through the engrafting, by some of the existing corpo- 



INSURANCE COMMISSIONER. xiii 

rations, of new features upon the plans in operation by them when 
the law was passed. A number of long term corporations, 
perceiving the present popularity of the short term features, 
attempted to add one or more series of certificates of this class ; 
while the officers of several of the companies issuing short 
term certificates, seeing the impending doom, sought to 
lengthen out their official lives, and incidentally to continue 
their salaries, by engrafting a series of certificates for a long 
term. The attorney-general rendered to the department an 
opinion that this was unlawful under the statute, and the bill now 
pending in the Legislature expressly prohibits the procedure. 

No end of chatter has been made in connection with the 
schemes of these corporations as to the profit to arise from lapses. 
In previous reports the morality, the honesty of the lapse 
question, which is simply confiscation, has been discussed, but 
the figures show that it is of very little moment in determining 
the possibility of the fulfilment of the promises of these corpo- 
rations. During the last year the entire lapse of the long 
term corporations — five years and over — was but 9.5 per 
cent. ; in this lapse list, however, were six companies whose 
members were subject to a " freezing out" process, a member- 
ship of 1,760 being reduced to 112; deducting these, which 
cannot fairly be considered, the lapse loss was but 6.4 per cent. 
In the three year organizations the lapse fell to 5.9 per cent., 
and in those with shorter terms to 2.7 per cent. As a large 
proportion of these lapses were of those who had held member- 
ship for only a short period, and paid but a small amount into 
the treasury, the trivial character of the lapse factor is readily 
seen. 

The Wild Cats from Other States. 

Within a few months a brood of corporations organized under 
the laws of Maine, Virginia, West Virginia and New Hamp- 
shire, mainly the latter State, have come into Massachusetts, 
and, availing themselves of the provision of a general statute, 
have filed with the commissioner of corporations copies k of 
their acts of incorporation; and thereupon, without license or 
provision of law, began the sale of so-called " bond investment " 
certificates, promising a payment either in the order of their 
numbers, as speedily as the money was received from assess- 
ments, or at the end of fixed periods, the latter generally six 



xiv REPORT OF THE INS. COMMISSIONER. 

months or one year. No one is able to say that the statutes of 
either of the States where these concerns were hatched author- 
ize the business they transact here ; indeed one State has 
expressly declared such transactions unlawful, the supreme 
court having previously declared such corporations to be 
gambling concerns and forbidden by the statute. The officers 
of these corporations are generally unknown to the public ; there 
is nothing to establish their right to confidence ; the companies 
are nowhere under the slightest official supervision or restric- 
tion ; the officers use or invest the funds according to their own 
will and pleasure ; there is usually no disability or death bene- 
fits, no pretence of fraternal features, the entire scheme being 
based upon pure personal speculation, — gambling upon the 
chance of getting in early enough to get out among the first, 
regardless of the chance which comes to the unfortunate later 
and larger contingent. Yet tens, probably hundreds, of thou- 
sands of these wild-cat certificates of irresponsible concerns have 
been eagerly purchased by citizens of Massachusetts, until the 
payments upon these, and the membership in the endowment 
orders of this Commonwealth, have led to a serious interference 
with business throughout the State, and to a general de- 
moralization of the sentiment of the masses of the people, 
through the inculcation of a belief that there is in these " mil- 
lion-in-a-minute " concerns a royal road to fortune, and that, 
after all, basal financial facts are to be overturned and money 
acquired through some easier and quicker method than legiti- 
mately earning it. A conservative estimate shows that these 
corporations altogether have already collected more than seven 
millions of dollars. The bills pending in the Legislature would 
relieve the Commonwealth of this entire bastard brood by 
declaring their further transactions in Massachusetts unlawful. 



■o 



Respectfully submitted, 



GEO. S. MERRILL, 

Insurance Commissioner. 



STATISTICAL TABLES. 



XVI 



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to 


•jj 


ej 


c 


o 


p< 


o 


3 


3 


a. 


o 


Q 


<5 


Q 


<J 


< 


< 


i— i 


"T 



i & -g s 

1 « A W 



5 tf « 

rf ^i "S 









2 * 

° b" 
o 5 



.2 < 



a 
o 



« "3 g 



S o 



& V, o 



.« « = 



< = 



s < 



2 « 



« .s 



^- r^ rf Tt 



a 


C 


- 


o 


o 


CO 


PQ 


03 




CO 




-t-> 


s 


o 


2 


3 


o 


O 


B 


c3 


o 

co 


CO 

03 


s 


S 



B 


ed 



a 
— 



c3 

S « 

3 _. 

I » 



g = .^ 

B 
O 



p5 ^ ^ 

_ 0, — 

S S3 * 



s ? 2 2 5 tf 



a a <j 



- 

o 
2 



S 3 



o 
pq 



— B 



c 

3 

o 
o 



x 2 



O W P=3 






"oo 
B 
O 
co 

r3 



Z 
01 



= 

03 



5 5 = "= 
« 2 S « 



3 OS U 

3 



O 

3 
A -3 



2 "5 






CO <H 



s s 



- 
c 

— 
03 



4 £ 

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to 3 

5 'I 



a S 



3 « '*■ 

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— 



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1890.] 



AND CORPORATIONS. 



xlv 



CD 

cd 


S 


Ph 


o 






S 


s 
H 


73 


»^» 



Ph o 



>» 


60 


c 


oi 


o 


o 


5 


P4 


CO 

cu 


C*ci 


<i 


H 




J3 




a 


03 
u 


« 


t> 


3 


a 


►> 


CO 


»-5 



3 
co 

to 



2 £ 



**• - »f— « 

F? ^ M 



3 



B 
3 

S 
60 
73 
O 



W m 





M 




o> 


73 


,U 


3 




eg 




57'ii 


o 


CJ 


>H 


P 




-M 

cd 


a 


o 


o 
a 

M 


03 
cu 

w 
w 

3D 

o 

-B 


w 

3 

CD 
S-l 

s 


M 


s 
n 

d 


co 

CO 

"3 

3 
3 

Si 

Ph 


< 
El 


3 

a 

03 
73 

< 



o 

d 

CO 



3 

o 
o 

pq 



o 



WOO 



a 



CO 

w 



CO ^H ~ 

c 

2 



Ph 



«s r— i f^> 



.3 
60 



.2 3-= 



c 



cd 
Ph 


^ 


pq 


o 


CO 


O 


— 


o 


P 


£ 


a 

03 


eg 

H 


S 


to 


a 

CO 


O 


3 
O 


CO 

C3 

O 


4-3 

<o 

H 


Ph 

PQ 


W 

Ph 


CD 

S 
03 
»-9 


D 

co" 


m 

3 

CD 



a 

o3 


73 

o3 




03 


pq 


£ 


Ph 


H 


CO 


Ph 


CO 
CO 


a, 

CD 


3 
03 
J3 

-4-3 


.3 
O 


6 


O 
O 


O 


03 


3 



13 

R 



3 

o 

l-S 



M 
P 



73 

o 

O 

^ 3 



O 

R 



-r 3 
3 

5 

a 

c3 



CD 
CO 



CD CD CO «J 

"5 ~ -9 "S 

en ri 77 f~ 



o 



a, 
co 



CD 


„ 


CD 


_J 


.a 

CD 

— 

o 

R 


a 


CD 


03 
CO 


CD 


is 
o 

K-H- 



























60 






















73 




3 
















• 


m 

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• 


O 




' 


• 


s- 


• 


• 


c 




3 

03 


. 


CD 

CD 


CD 


„ 


. 


CD 






CD 


3 


O 


3 
o 


3 


CD 

o 


3 

O 


O 


Oh 


3 
O 


3 
O 


C4 






P» 


*-. 




-*-> 




•m 






3 




CO 


o 


o 


co 


CO 




CO 


co 




ki 


03 


o 


s_ 


* 


O 


O 


a 


O 


O 


3 


i-l 


W 


pq 


Pm 


CQ 


PQ 


Ph 


pq 


PQ 


fe 



0»— ' CO <>1 CO l^- b* »3 •— I 00 t>- *M t>- O5OiOi00'O5O0 

COt^l--0030r--.00Cl000l>.CO00t-- l^CX3OO0O0OoO 

ooacoooooooooocooooooooooo OO30000O000O 

m" t^ co oo* w" n in m* oT ©* oo* co" to h o" o* oT n s 

I— I I— I I— I C^i— C r— I i— < CM I— I i— I CM r- 1 r— I Ol l— I 



CD 

R 


^2 
O 


JO 
CD 


3 

a 


H 

3 


+3 

a, 

CD 
CO 


P4 

<5 




a, 
< 


< 




CD 

o 


+3 

CJ 

o 


3 

a 


> 
O 


-4-3 

B4 

CD 

CO 




3 

a 


>, 

3 

a 






"oo 




















b" 














eT 


. 


CO 

C»-l 


• 


• 


3 


• 


• 


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• 


. 


3* 
o 


.2 

"■4J 

3 














o 




CD 






O 














CJ 




















3 
















o 

CO 

co 

< 

Cm 














4-> 

03 

CJ 
O 


3 

.2 

"■13 


CD 
P4 

"ccS 


3 
o 

+3 


.2 

# 3 
'3 


3 
'o 

o 

co 




3 
O 


b" 


Ph 


• 


.2 

*3 
o 

CQ 
CQ 




4V 










CO 

< 

CS 

CD 

3 
o 

pq 


•S 
"3 
o 

CO 
CO 

< 

C3 


3 

■i-3 

3 

CO 

O 


o 

CO 

co 
< 

cB 

CD 

3 


o 

CO 

CO 

< 

J-3 

3 

CJ 


<1 

CS 

CD 

3 

CD 

pq 


3* 
O 

^4-3 
3 
'3 

o 

co 

CO 


-4-> 

3 

"3 
o 

CO 
CQ 

< 

CB 
aj 

3 


"*3 

3 

"3 

o 

CQ 

CO 


O 

d 

hH 

3 

O 

-4-3 

3 


*-*3 
# 3 

'3 
o 


< 

+-> 

CB 
CD 
3 
CD 

pq 


.CD 

*3 

P4 

13 

3 

3 














"3 

3 

-4-9 


3 
CD 


CD 


CD 

pq 


pq 


3 

3 


< 

CO 


-4-1 

cB 

0J 


CO 

<1 


3 

3 


a 






h. 








pq 


73 


3 


3 
3 


4-3 

3 


O 

CD 
P>H 

73 
73 

o 

-4-3 

3 

CD 

73 

'3 

. CJ 

< 

13 

3 

Sx 

3 


CD 

pq 


3 


CJ 


CO 


3 


^ 


. 


<4-T 




. 


. 


. 


CO 

j; 

^O 

73 
73 

o 

3 
ti 

_o 

CO 
CD 

3 


3 

3 

-4-3 

3 

CO 
"S 

^O 

"CD 

73 

73 

O 

3 

CD 
CO 

"CD 


73 

O 

>> 

_CD 
> 

s 

r- 

5 

-1-3 

_CJ 

CJ 

CD 

3 


g 

3 

a 

3 

■CJ 
CD 

Ph 

Cm 

o 

CO 
SH 

CD 

*-> 

^3 
60 
s 
3 


3 

a 

CO 

O 

"co 

UH 

73 
73 

o 

CD 

+3 

CO 
CD 

.3 
CD 

M 

o 


a 

CO 

*CD 
PSH 

73 
73 

o 

■4-3 

u 
o 

5z; 

CD 


13 

3 
3 

a 

CO 

o 

73 

73 

O 

13 


pq 

3 

3 

-4-» 

3 

a 

CO 

_o 

% 

in 

73 
73 

O 

3 
3 


co 
en 

< 

-4-3 

3 
CD 

73 

'> 

O 

Ph 

73 

_3 

"60 
3 

w 

is 


i — i 

CD 

Ph 

73 

O 

•2 

p 

CD 

> 

3 

CD 

o 


*5 

CO 

13 
Ph 

73 
73 

o 

3 

o 

CJ 

3 

*> 
O 


o 

"3 

LiJ 

73 
73 

o 

>! 

-u 

3 
3 
O 

o 

M 

CD 

-4-3 

to 
CD 

CJ 


*^ 

Sh 

O 

3 
O 

a 

Cm 

O 

O 

'60 
CD 
hi 

3 
3 

CJ 

*M 

CD 

53 


O 

M 

CD 

73 

M 

o 
13 

3 

3 

3 

M 

Ph 

aa 

3 
3 

S 

CD 

.3 


73 

3 

h-t 

O 
CO 
CD 

73 

3 
-I 
73 

3 
3 

CO 
CD 
3 


CQ 

3 

3 

4-> 
>> 

Ph 

Cm 
O 
CO 

M 

CD 

"3 

> 

CD 


ct-T 

O 

5H 

CD 
73 

O 

a 

3 


Cm" 
O 

CD 
73 



3 
3 


3 

a 

3 


^ 


A 


o 


CO 


M 


o 


K 


CD 






ft 




+3 


J3 









o 


o 


O 


W 


W 


w 


^ 


hJ 


J 


'A 


Ph 


Ph 


<J 


<5 


o 








R 



xlvi 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



c 

— 
3 



6 













c 






































o 






















• 










_: 


m 

C 
o 


B 


H 

R 

1c: 


o 

>. 

o 

ft 

Pu 

o 
tc 

•— 

o 




_. 


"Z. 





Q 


>. 




I 


CO 

c 


*- 




4 




S3 

m 

E 

o 


aJ 

W 


& 

> 

d 


— 

to 

O 


o 

pq 

s- 
o 

s 


3 

W 
i 


o 
p, 

o 
o 
O 


> 
6 



S 
P 

p\ 
cc 


CO 

CO 



< 

w 

p 

jr. 



u 



a 

CO 

c 


C 

c 


c 





p 


3 


OQ 

■ 






£ 


O 


Ha 


w 






^ 



O 


d 






•-s 


i 1 


— . 




•-a 


O 

H» 


^ 


■^ 






• 


• 


• 


• 


o 


t^ 


• 


• 


• 




V. 

O 


• 


• 


• 


• 


>'. 


• 






*J 






m 




'^ 




>> 




M 










aa 


J3 












_r 


>> 

— 


s 


o 

•— 


- 


— 
P 


_r 


« 





~ 


_r 




CD 

— 











00 

B 


s- 
O 


~ 


a 


CO 

c 


P-4 


<^ 


t-H 





5 


5 


PQ 




co" 


- 




•0 

B 


■ 


B 






ad 
o 
CO 

ft 


c 


in 
o 

s 


> 

o 
H 


— 


- 




a> 
j. 


(33 




6 

00 

E 


- 

£ 


- 

•-< 


1/ 


gj 
> 


aJ 


- 

— 

i 
5 






z 


o 




<J 


£ 


o 

•-s 


tn 


£ 




—J 


< 


O 


hJ 


pq 


h» 


— 






ri 












c 
o 
























: 
§1 

Q 

O 

-! 


X 

= 


"3 
Si 


fc 


• 


o 

— 
to 
u 


Si 

C 

a 
h 

s- 




= 


c 


= 


^ 


of 


^2 
> 


cT 


- 
> 


m 


B 








o 








K 










a 


/. 








a 


O 








•r 


£ 


c 


a 


> 


o 


o> 


co 


— 


— 

CO 


<o 


Fl 





— 


— 


— 






O 


- 


O 


>! 


^ 


- 







O 


z 


5 


— 





Si 


1 





: 






o 


CO 


kJ 


Hi 


O 


'A 




pq 


■ — 


- 


-- 
— 





■j. 


« 


— 


pq 


- 






O 


Ci 


o 


O 


c 


o 


■^ 





O 


r-~ 





Oi 





CC 


c-. 





Q 






1^ 


CO 


35 


Ci 


CO 


35 


r^ 


C5 


zn 


CO 




cc 


C5 


cc 


cc 


cr. 


00 




z. 


cc 


CO 


00 


CO 


CO 


CO 


CO 


cz; 


cc 


cc 


cc 


cc 


CO 


cc 


cc 


cc 


90 




u 

c 


<M 


o 


l>- 


o 


cc 




t*> 




Oi 


CM 


t^ 


CO 




N 


0) 


■O 






cc 


cm 


1— ( 




CM 


l— 1 


•"" 




CM 






l-H 




ec 


CM 


CJ 




^ 




z 


re 




o 

Hj 


tc 
p 


m 

•-s 






1— 
P, 

< 




•-a 


< 


Pm 





P 

1-5 


> 


S5 


ri 

s 


-_ 


—. 1 








co" 

— 




























= 










co 

3 


• 


























'- 










m 

X 
































. 


- 




s 

Cn 
O 

■4-9 

a 
o 
O 






• 


5 

& 

c 


• 






* 


• 


CO 
3D 

00 
X 


• 


"E 

O 

pg 


OP 
3 


O 

— 
p 
a! 

' X. 

% 




• 








c 
a 

Si 

O 


cT 




p 

•a 


CO 


* 

O 
s- 
o 


Si 









• 


1 


a 


> 
P 




• 








fcT 


ad 

s 

o 




CO 


p 


■O 


r3 




a 





< 





- 

"3 




— 




■a 


• 






c 
.9 


o 


o 
5 

In 


p. 

CD 

— 

t— I 


c 


u 

o 


O 


-S 
a 


"5 


■— 

— 
:- 


OS 


c 


— 
O 


— 
C 


— 
O 
-1-3 


, 








s 




'3 





c 

03 


c 


O 


S 


CO 

< 




C 


p 


= 








5 

T3 


'o 

P 


Si 

s 
o 


o 


c 


s 

E 


t3 


c 


< 


CO 


c 


— 


CJ 

c 

< 


— 

< 


< 


♦^ 






< 


< 


Q 


< 


ft 


<J 


•j. 

c 


p 




"5 


O 




p. 




- 


CO 


CO 


cc 








z> 


CD 


in 

s- 


"5 


"5 


p 

0/ 


O 


3 


tf 


CD 


= 

id 


p 

«8 


R 
- 


R 
b3 


1- 
O 
CD 

= 

O 






S3 


co 

o 


o 
m 


in 

o 


c 
a 


1? 


c 




c 




•a 


— 


DR 

-r 

c 


— 

O 


•— 

- 
> 


c 
•— 


- 

Si 









. 


C* 


O 


o 




•— 


o 


c 


p 





c 








-. 


— 


— 


.— 




■- 


& 


fe 


h 


fe 


O 








c 





O 


O 


MM 


— 


— 


— 


— 



1890.] 



AND CORPORATIONS. 



xlvii 



S3 
as 



3 
5 

CO 



S3 



o3 



s 

a 

"EL 

GO 



1 ^ ^ ¥ 
W pq d pq 



73 

as 

d 
c 

as 

pq 

I* 



o3 

m 



a 

o 

00 

it 

as 

R 






s 

o 

— 

O 

,3 
to 

3 

w 



o 

73 

73 



S3 

O 

d 

73 



R 
ad 
DO 



.3 
fc C aJ 

OS 



e3 

<o 

.3 
co 



o 

CO 

,3 

c3 
C 
B 
•< 



93 

-B 
U 

s 



d 

o 
a 

3 

3 



* < * 



a 
o 

VI 

d 

.a 
o 



O 

a 



O 



_r .a « » 5p ** ,d - 

S • W H ^ « h I ^ ^ »^ H W t: 

£ • © P, ^ R 2 S ^ <« ^ — o <» ^ S 2 o 

i? £> : E 2 .^-B^OO^Bk-nO • t>> °* j 









73 




































o 


B 
1— i 

CD 




r 




























d 


B 


LO 

3 
O 
h5 


O 

B, 
93 
B 


d 


i— i 

o 
tn 


3 


E 


o 


cT 


E 


E 


> 




E 


03 
OP 


E 


d 


*c5 


o 


O 


03 


o 


a 


O 


O 


o 


o 


o 


O) 




O 


CO 


O 


o 






— 








-^ 


— 


E 








d, 


^ 








-<-> 




to 


CO 




73 

E 
1— 1 


CO 




CO 


CO 




CO 


co 


ca 


cu 


CO 


CO 




O 


O 




O 


,3 


O 


O 


IB 


o 


O 


O 


O 


03 


O 


^3 


O 


o 


^ 


« 


- 


CO 


CQ 


O 


n 


« 


o 


w 


pq 


« 


CO 


H^ 


PQ 


O 


n 


PQ 


o 


OS 


■"f 


W3 


r^- 


«o 


lO 


<£> 


o 


t^. 


CO 


CO 


CO 


OS 


o 


OS 


OS 


OS 


r^ 


OS 


CO 


r^ 


t~ 


CO 


t— 


CX) 


CO 


O 


CO 


CO 


CO 


CO 


r^ 


cs 


00 


CO 


CO 


oc 


OO 


co 


00 


SO 


SO 


CO 


so 


OO 


CO 


00 


CO 


CO 


CO 


CO 


CO 


00 


OO 


CO 


CO 


1^ 


(M 


I— 1 


«5 


•* 


IQ 


(M 


r^ 


iQ 


CM 


CO 


OS 


C5 


IQ 


«o 


>ra 


f— t 


OS 


■«* 


OJ 


CM 






r— I 




CM 




1— I 


1— 1 




i— 1 


1—1 


i— i 




<M 




CN 




d 

03 


o 
O 


B 

03 


a, 
< 


cj 

o 

Q 


u 

O 


B 
B 


ft. 


to 


o 




■4— 

ST 

CO 


— 

CO 




03 


4-> 

CJ 

o 


o 

o 


o 





2 ^ t •! I 

o § ^ = |o £» o 31 's - % 

'5 ' £ & 3 1 1 3 £ • - I 2 S -i i tS 1 

W) *^ w a? atT co r ."3 * Q> 73 « 2 <tj -^ g 5 

ESH.£a>c3e3-* 3 *e73 HH oPo c °B 

E 3 tDCCtCt0tD03 03 ^ « t . K *- "5 ^3 5 
5^ = EBEB^ c ?|3o^^^|f 1 t'S 



xlviii 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



H3 

a 



o 



CO 

6 



























^ 














a 




















. 


CD 














o 






>, 






"3 




4-> 


CD 


S-i 

cu 


3 
CD 




. 



3 
O 

CO 

<i 

B 
'> 






b 

as 

a> 
E 
o 

cc 


c 

H 

to 

o 

cu 
C5 


B 
O 

CO 

43 

o 

d 


«4-3 

3 


P 

3 

Q 
W 


93 

E 

w 

(9 

3 


u 

E 

01 

M 

O 
*3 
CD 


43 

E 

<a 
O 

3 

15 
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1890.] 



AND CORPORATIONS. 



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p 


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xi 
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ffi 


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c3 
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stein. 


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P 


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H 


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lii 



SUMMARY OF ASSOCIATIONS [Dec. 31, 





1 

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e 

CO 


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s 

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OS 
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03 

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c 

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a 

D 

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oo 

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B 


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o 

00 

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SB 

00 

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o 

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3 

Ph 

CO 

c 
S 


T3 
to 

o 


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3 

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d 

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& 
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6 
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3 

o 
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3 
1 
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ft 

as 
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oo 

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co 
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o 


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o 

t-s 


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O 


k 


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d 


H 


3 


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E 

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CO 

ja 

ft 

cj 

00 

o 


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00 

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© 

fa 

oo 


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P 

.a 
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oj 

00 


44 
00 

o 

> 
p 

b 

o 

> 

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03 


00 

a. 

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o 

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H 

Ph 
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to 

Si 

O 

o 


nc 

b 

03 


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c 

u 
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o 
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e: 
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S 

03 

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O 


c 
o 

00 

c 
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3 

o 

J- 
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3 
O 
> 

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3 
3 
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p 


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3 
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— 


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PB 


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PB 


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PS 


O 

PP 


hP 


| 




o 


o 


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o 


o 


00 


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00 


O 


O 


00 


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Ci 


Ci 


o 


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cc 


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CO 


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CO 


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o 
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00 
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3 


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h 

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3 
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w 

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3 
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3 
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o 

3 
— 
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3 

44 

3 

00 
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3 
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CJ 

o 
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— 
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CO 
00 

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— 
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s_ 

2 
o 

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3 
03 
CJ 

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CO 

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4-3 

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00 

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44 

ct 
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o 

oo 

00 

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3 
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3 


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CJ 

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ij 
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c 


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a 


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3 


03 

3 


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3 




















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CO 


co 


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CO 


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CO 


CO 


CO 


CO 


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1890.] 



AND CORPORATIONS. 



liii 



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h 

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'•••••••'CD 

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d 

o 

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CD 

pq 

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2 - o * 

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P OS'-S^CP-h-u"^** 

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a ' S ffl W B h 0) g g 

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^ „« S o g g u 5 d d 

a ja 8 a ^ k. ^ jT o o 



liv 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



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$ 








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A 




V 


J. 




s 




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1 


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cc 

1 


g 

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pq 



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eo Tt< oo o t>- xi eo 

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CN CO O r-i i— i O 



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00 


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t^- 


CN 


to 


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00 


t^ 


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cn 


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00 



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CO 


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1890.] 



AND CORPORATIONS. 



lv 



CO 


Tt< 


CO 


CO 


1 


1 


1 


CS 
i-H 


CN 


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o 

CN 


t^ 


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CN 

00 


1 


1 


1 


1 


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t^ 


CN 


rj* 


U5 


CO 


o 


CO 


»o 


<* 


CO 


CN 


CN 


O 


«* 


CO 


CS 


CO 


o 


<sH 


co 


O 


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1— 1 


i-H 


CO 


o- 


CO 


I-H 


co 


CD 


CO 


CN 


t^ 


CO 


CO 


-^< 


l-H 


co 


(M 


CN 
CN* 


1— 1 


l-H 




CO 


■<t" 


CN 


i-H 


ia> 


l-H 


l-H 
l-H 


CN 

l-H 


cn" 

CO 






CO 


CO 


i-h 


lO 


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CO 


CO 


CO 


CM 


CO 


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■* 


CO 


O 


t^ 


l-H 


CN 


CO 


CO 


-* 


CO 


CO 


CO 


l-H 


i-H 


o 


o 


CO 


i-H 


t~- 


t^ 


o 


h- 


lO 


l-H 


■^ 


t— 


CS 


co 


CN 


CO 

of 


1— 1 


I-H 




CO 


CO 


CM 


i-H 


■* 


1— t 


CN 

i— " 


CO^ 

cn" 

i-H 


"^1 
<m" 

CO 






o 


irH 


CS 


■^ 


CO 


CO 


Tj< 


i-H 


CO 


I-H 


CO 


CS 


CO 


CS 


t^ 


T*< 


l>- 




r— 1 


!T~ 




OO 


o 


co 


CO 


co 


i-H 


CO 


CO 


Tt» 


CO 


CN 


■* 


co 


o 


CN 




Tf" 


O 




CS 


CO 


I-H 


I-H 


CM 




CM 


CM 


CO 


l-H 


CN 


CM 


l-H 


CO 


OS 








































| 








i-H 




lO 








o 


CM 










Tt< 


CO 


CO 










۩= 




i-H 








i-H 












I-H 


■^ 




































m- 


CO 






































۩= 










lO 


CO 


CO 


CM 






l<0 


l-H 


CO 


CO 


CN 


CN 


CO 


CO 


t^ 


o 


o 


CO 




o 


OS 


CN 


CM 






•* 


o 


CM 


CO 


CO 


"* 


l-H 


CS 


CO 


f-H 


<* 


CO 




CO 




OS 








t~ 


CO 


l-H 




CS 




l-H 


co_ 


t-^ 


CM 


CM 


■* 




6© 








| 


| 






























cn 








CO 












l-H 


cn" 


G? 






















CO 














۩= 












1 _ 


r-» 


o 


CO 






cs 


CO 


CO 


CS 


CO 


■* 


© 


CO 


■* 










00 


co 


CO 


co 






CO 


o 


CO 


I-H 


^ 


CD 


o 


CN 


CN 










GO 


o 


rji 


CM 






o 


CN 


o 


i-H 


t— 


i-H 


CO 


o 


CO 




















| 




















| 




t 


| 


CO 


1—1 


CO 




1 




i-H 


OS 


i-H 




CO 


l-H 


o" 


CO 


CN 








۩ 




CO 








CO 












CM 




cm" 












co 


CO 


T* 


CO 


OS 




_, 


CM 


** 


CO 


CO 


ICO 


CO 


o 


CM 


O 


t^ 


co 




OS 


CO 


o 








i-H 


t>- 


i-H 


I-H 


t~» 


CN 


CO 


CO 


CO 


i-H 


CO 


>o 








"^i. 








CO 








i-H 




t-~ 


CO 


t^ 


CN 


CN 


Tt< 




i& 




icT 






1 


co" 

CO 














co" 


CO 
CD 

33= 








1 


CO 


o 


CN 


CM 






CM 


CO 


CN 


CO 


i-H 


l-H 


o 


o 


CO 










CO 


•CI 


OS 


CO 






OS 


OS 


»o 


CO 


CO 


CO 


o 




CN 










CO 


I-H 




I— 1 






OS 


t>- 


CN 


l-H • 


CN 


l-H 


CO 


so 


CO 


















| 


| 




















| 


| 


1 


| 


-* 


l-H 


o 








CO 


o 


l-H 




t-T 


l-H 


CO 


OO 


I— 1 






1 




<5©= 




CO 








CO 


l-H 










i-H 


CO 
i-H 


cn" 

۩= 










o 


OS 


«5 


CO 


\a 


i— 1 


CO 


CN 


i-H 


o 


CM 


CS 


t^ 


o 


CO 




"* 


OS 






t-» 


-S< 


o 


CM 


l-H 


co 


r^ 


OS 


CS 


o 


CO 


l-H 


•* 


CO 




■* 


CO 




co 


o 


OS 


CM 


CM 




Tf 


os 


b- 


l-H 


■^ 


CN 


CN 


OS 


CO 


































* 


•» 




4 






| 


i-H 




CO 








t^ 








cm" 




CO 


CS 


CN 








۩= 




i-H 




















i-H 




CO 
۩ 










• 




It 














CO 




















• 




"as 

Ph 

■T3 




• 




*- 
o 






"as 

Ph 


o 

f-H 


• 


00* 




•• 


• 


— 

00 

3 


• 


• 


, 




•3 




. 










^ 




O 




*^ 


- 


13 


# 


. 






o 








"as 






T3 


00* 

O 


|— ] 




;-T 


S-. 


a 






oo* 




>> 

CO 




oo* 


00* 


pH 

-3 

13 

o 

c 
as 






o 


■as 
Ph 


as 

P=- 




o 

a 
o 

w 

O 


as 

»3 

S-, 


Cm 
O 

00 

.2 
•a 

03 
Hi 

T3 
S 
03 

00 

M 

as 






"as 

Ph 
13 


00* 

o 


"e3 

*> 

(H 


S3 

as 

.o 
as 


o 
"as 

Ph 


"as 

Ph 
T3 


oo* 
*= 


00? ' 

15 


3 
as 

'> 
o 


n3 

13 

o 


"as 
Ph 
73 

T3 


T3 

13 
O 
>. 




o 

c 

h 
as 


00* 

Ph 

<»_ 
o 

00 

M 

as 


«t-T 
O 

M 


T3 
O 

c 

ts 

o 

no 


i3 
O 

03 


s 

3 

CS 
*a 

o 

o 

a 
e 


Ph 

=~ 
o 

CO 
(H 

as 


-3 

o 

u 
as 

00 


O 

— 

o 


'3 
cs 

*c3 

s 


"as 

i3 
O 


"as 
•3 

-a 
O 

c 

a 


T3 

C 
03 

s 


o 

"3 



> 


o 

C 

O 

-*— 
as 

CS 


a 

3 
O 

O 

u 
as 

+-» 

00 




o 

5b 
as 

03 

CS 

as 

s 


c3 
E 

Ph 

00* 

G 
e3 


as 

13 

M 

o 

e? 

2 


e3 


o 


— 

fcD 

3 


o 

(H 

o 


as 

en 


<H 

as 

03 


"as 


H 
£ 


as 
O 


s 

•l-H 

o 


as 
cs 

tH 

o 




"5 
as 


"el 
as 


"ol 
> 
as 


S 

^3 


A 


A 


o 


03 


00 


•— 


O 


t>> 


as 


lH 


s 


^ 






^3 


A 


o 


o 


O 


o 


« 


fp 


w 


pH 


Hi 


hJ 


fc 


Ph 


Ph 




<1 


< 


O 


O 


O 



lvi 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



"3 

ss 

a 
»-h 

S3 
O 

O 



o 

- 
- 

H 









(0 


CM 


o 


co 








eo 




OS 


CO 










CM 




"0681 




>* 
CO 


CO 




1 


1 


1 


p-i 


1 


l-H 


CM 

l-H 


1 


1 


1 


1 




ai sqj«3a 




































• 8 


o 


CO 


CM 


CM 


C5 


i- 


i—i 


eo 


CO 


CM 


^ 


o 


OS 


00 


o 


to 






eo 


co 


00 


00 


■^« 


CM 


Oi 


Oi 


"tJ1 


CO 


CO 


OS 


CO 


IQ 


eo 


GO 




CO 


°i 


(^ 


r- 






CM 


eo^ 




os « 


o^ 














B »C co 


l-H 


CN* 


■*" 










t>T 




I— 1 


co" 














V 00 




CO 












l-H 






r-t 














rt gy 




































Q 




































• s 


o 


CM 


o 


co 




i—i 




o> 




t^ 


8 




eo 






•^ 




>- CO 


OS 


t— 


00 


OS 




CO 




I—I 




cs 




CM 










.0 a ""1 


t— 


o_ 


°i 


CO 


| 




| 


o 


1 


°l 


CM^ 


1 




1 


1 


1— 




a 2 sg 

Cv 00 




CM 


co" 










io" 

l-H 




i-h" 


l-H 














a s 




































Q 




































o 


CO 


OS 


to 


OS 




I— 1 


CM 


l-H 


l-H 


OS 


CO 


r» 


IO 


00 


• - 


t>- 




1— 1 


CO 


o 


IO 




CO 


O 


l-H 


l-H 


co 


CI 


OS 


CM 


CM 


- 1 


r~ 




CO i-l 


■«* 


co^ 


CM 


CO 




eo 


CM 


o 




CO 


°i 




l-H 


l-H 


l-H 


l-H 




2 1H 


» 


io" 




oo" 


1 






oo" 




OS* 


co" 














g CO 
















l-H 






l-H 














<J cj 




































V 




































Q 










































iO 


CO 


lO 


__, 


O 


iO 


b- 


eo 


o 


CM 


CM 


-* 


CO 


h» 


o 


I s - 








o 


— 


io 


eg 


r^ 


i-* 


s 


o 


-r 


iO 


OS 


co 


CO 


OS 


l-H 


r>- 






.C 


°i 


CM 


io 


■a 


CN 


CM 


i^ 


CM 


1—C 


o 


CO 


l-H 




^H 


co 






£3 






































o 


lO~ 


00 


l-H 


l-H 








o 


l-H 


co 


l-H 


l-H 










Ed 






» 


eo 












CM 






CO 












K 
O 




< 


































H 








































































P. 
(Vi 




, 


CO 


OS 


o 


00 




iO 


O 


CO 




o 


CM 




o 


eo 


o 


■o 




s a 


* 


co 


io 


IO 






CM 


~r 




o 


co 




IO 


o 


l-H 


t— 




cn^ 


eo 


t— 


CO 






f— 1 


co 




CO 


* 






l-H 




eo 




00 — 










1 








1 






1 










X 




O « 


■*■ 


io 


CM 


CO 








CO 




eo 


■71 












Cn 






» 


to 

IO 












C5 
CM 




eo 


CM 

CO 


















eo 


(M 


O 


•^ 


o 


t>- 


CO 


O 


o 


t^ 


■* 


o 


CM 


8 


iO 


eo 








r* 


<M 


I— « 


r— 


h- 


iO 


oc 


t}< 


CO 


lO 


CO 


OS 


•o 


•* 


— 






°i 


lO 


*r 


o_ 


<M 


CM 


t^. 


CO 


CM 


l-H 


t^ 


CO 


CM 


l-H 


CM 


00 










































Q 


T)T 


•*» 




io" 








t— 1 


l-H 


CO 


CO 


l-H 










© 






Ofr 


CO 












CM 






CM 












i— i 




< 


































g 








































































H 




00 


CM 


■«*< 


o 








eo 


CM 




OS 


00 


^H 


CO 


OS 






a 




09 


tJ< 


t- 


o 








CM 


■«*< 




eo 


— 


t^ 


"* 


OS 






o 




"<J< 


l-H 


t— i 








i—l 


CO 






IO 






l-H 
















1 


f 


1 






1 












1 


1 


o 




a 


■«*< 


CO 


■* 










I—I 




r>- 


co 












S5 




0B 


Sfr 


iO 












o 




co 


eo 












M 




00 

5 
■ 

09 




lO 












CO 






CO 
















OS 


IO 




T* 




■* 




00 




iO 


OS 




o 










t— 


CN 




o 




IO 




IO 




OS 


OS 




l-H 






CI 




" ^ 


••# 


°i 




CN_ 




eo 








°1 


I—I 










CO 




« j 


Ofr 


oo" 


1 


oo" 


1 




1 


cT 


1 


CO 


tc 


1 




i 


1 






00 eo 




l-H 
































<! d 




































09 







































































































c 


CO 








































a 


• 


• 


— 

3 
O 


©" 

c3 

E 

*n 
a 
© 

o 
O 


• 


= 
6 

•s3 


en 


• 


fcT 


• 


* 

JO 


• 


T3 


• 


o 


o 

= 




<3 


hT 
a> 


•^ 


o 

c 


«t-T 
o 


o 

— 


a 


• 


CJ 

hi 

o 


I 


o 

02 


ti-T 

o 

hi 
o 


< 

"3 


• 


hi 
e3 

o 


_o 

*oo 






o 
a 

c3 
u 

© 

8 


c" 
.2 
"3 

p 


03 

o 
d 


u 
•a 

o 


-a 
a 
t— i 

p 
o 

"a 


03 
o 


• 
acT 


T3 

o 

"3 


CJ 

a 

< 


"3 

>> 

o 

Ph 
oo" 


hi 

o 

G 

e3 


— 


oo 

hi 


4P 


d 


s 

d 






3 


«5 


^ 


P 


<5 


oo 

o 


o 




•» o 


hi 

03 


A 


"© 
M 

r3 


oo" 


oo" 






< 


« 

03 

-•— 

'3 


oc? 


on" 


"el 


"e3 


- 


Sh 


- 


*o 


a 

03 


a 

© 


c 


c 

c3 






to 

2 
"3 


— 
oo 
0) 


<D 

— 

o 


c 

M 

a> 
■«-> 
03 
hi 


g 

— 
o3 


.a 
H 


a 

2 


a 

CD 

2 


c 
o 

2 


- 

o 


03 

— 
o 


H 
o 


hi 

03 

hi 


— 


"5 

— 
o 

.a 






M 


c 


O 


o 


hi 


a> 


"o 


"o 


o 


o 


o 


o 


^ 




•- ^ 








A 


W 


^ 


^ 


fe 


fri 


O 


o 


o 


o 


o 


o 


o 


hH 

l-H 


l-H 


— 



1890.] 



AND CORPORATIONS. 



lvii 





5 






o 


o 


b~ 


OS 


CO 






© 


r-l 


© 


»o 


© 














CO 


CO 


i-H 


lO 








■^ 




F-H 




© 




i-H 




1 




i 


i 


t^ 


CO 




CM 




i 


1 










r~> 


1 




I 










l-H 
































CO 


o 


o 


CN 


o 


CM 


I-H 


r^ 


© 


00 


CO 


t^ 


l-H 


© 


CO 


© 


h- 


i^ 




kO 


CO 


I— ( 


l-H 


00 


r-- 


© 


© 


CN 


CN 


r^. 


t^. 


•* 


CN 


■* 


I-H 


© 


CN 




°i 






°i 


00 


°i 


O 


l-H 






oo 


CO 


00 


O 


-* 




l-H 


l-H 


1 








































«o 






CO 

l-H 


00 


cT 


co" 

CM 








00 




l-H 




CN 

l-H 










I— 1 




CO 


CO 


o 


TH 


lO 


00 




CO 


lO 


J-^ 


t^ 


"* 


b- 




CO 


3 




CM 




CM 


m 


00 


CM 


CO 


r-~ 




<M 


© 


•^1 


lf3 


© 


»o 




00 




r-» 






i>- 


°i. 


© 


© 


i-H 






CN 


CO 


t^ 


-* 


CO 




l-H 




1 




1 




























| 








to 






CO 

i-H 


cm" 


CM* 


© 

CM 








t^ 




l-H 




r— 1 

l-H 










r-H 






t^ 


© 


CM 


OS 


-* 


OO 


"* 


CO 


i-H 


CO 


00 


.—1 


CO 


"* 


CO 




CO 






00 


00 


CO 


o 


CO 


© 


i-H 


CO 


© 


i-H 


co 


t^. 


I-H 


"* 


W5 




^1 






1—1 


t^ 


u- 


CO 


CO 






r^ 


© 


t>- 


© 


© 




CN 


l-H 


1 




1 


| 


































1Q 






o 


i-H 




b» 

l-H 
















© 










© 


o 


t^ 


o 


CD 


OS 


eM 


(M 


CN 


© 


CO 


I-H 


lO 


© 


© 


00 


© 


»fi 




o 


►o 


"<*" 


co 


o 


i-H 


CO 


-* 


© 


t^ 


CN 


CO 


© 




CO 


© 


© 


tH 




CN 


1— 1 




o 


CO 


o- 


00 








"*~ 


l-H 


r— 1 


U3 


lO 




CN 


l-H 


1 








































t^ 






^ 
t^ 


■* 
-<*< 


i— i 


CO 








r— > 




»o 




i-H 

i-H 










o 






o 


b- 


o 


© 


i-H 






© 


i-H 


CO 


•* 


i-H 




CO 






o 






© 


co 


00 


© 


CD 






O 


i—l 


r^. 


© 


t^- 




© 






o 






©^ 


co^ 


OS 


© 


O 






© 


«* 


CN 


:M 


i— * 




© 




1 






| 












| 


| 












1 




| 




© 






of 


©~ 


00 


W3 










l-H 


© 


i-H 


CO 




i-H 






CO 






CO 


co 


^ 


»o 








© 




CO 




t^. 










1—1 






co~ 


00 




o 








l-H 








i-H 










lO 


o 


CO 


CD 


CM 


i-H 


lO 


CM 


© 


© 


b» 


CM 


© 


■* 


© 


© 


CO 


•* 




CM 


m 


■* 


■** 


CN 


OS 


CO 


l-H 


© 


© 


© 


00 


o 


»o 


—> 


t- 


t^ 


K3 




t- 


i— i 




CD 


OS 


CD 


© 








© 


i-H 


© 


i-H 


CN 






CM 


1 








































l^ 






oo 


o 


OS 


CM 
CM 








CO 




"* 




CO 

i-H 










»o 






CM 


T* 


OS 


Tf< 


© 


© 




>-H 


i-H 


© 


© 


>ra 


i-H 


00 






o 






00 


>ra 


co 


© 


© 


CN 




lO 


r«- 


CO 


W3 


© 


i-H 


CN 






CO 






© 


CO 


© 


CO 


to 






00 


-* 


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© 


CO 




© 




1 






1 














| 
















| 




1^ 






CO 


.— > 


00 


CO 








»o 


l-H 


© 


i-H 


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CN 






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00 


CM 


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CO 




t— 










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i-H 










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l-H 


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CO 


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1 




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CD 






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CN 




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a 






































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a. 
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s 


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b 
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s 




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00 

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32 

o 

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o 

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o 

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* 
s 
o 

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co 


o 

b 

o3 
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w 

CO 


u 
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o 


a 
o 

w 

o 

CO 

.2 

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s 


^H 

03 
t>> 

O 

Ph 

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CO 

e3 

►-H 

B 


o 

s 

w 

ao" 

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>> 
pH 

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CO 

M 

B 

B 

00 

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Ph 

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T3 

B 
03 

b 

o 

00 

S 
t— t 

CO 

W) 

B 


o 
u 
Ph 

o 
id 

CO 

O 
-d 

B 
o3 


B 
O 

'tb 

CO 


* 

CO 

• PH 

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Ph 

'ol 

3 

3 

a 


CO 

V 

6 

CO 

'S 

co 
co 

-3 

e3 


3 

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03 


-i-T 

CB 

CO 

B 

o 

pa 


4a 
B 
CO 

"o 

> 

CO 
B 
CO 


E 

"3 

Sh 


5 

CO 


en 


o 

en 


oi 


03 

00 

2 


O 

00 

^3 


o 

00 

3 


03 

o 


03 
u 

O 


B 
- 


B 

>H 

CO 

X3 


B 
— 

CO 
X3 


Ph 

a 


B 
03 

03 

•s 

o 
Ph 


pa 

B 


CO 


a 

o 


a 

o 

W 


3 

B 
1— 1 


to 

'5 


,fcC 

'5 


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'5 


fcf 


'5 


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O 


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O 

k4 


CO 


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— 

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o 


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tp 


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Ph 



OQ 



lviii 



SUMMARY OF ASSOCIATIONS [Dec, 



31, 



a> 

3 
a 

H-3 

a 
o 



6 
H 







— 






CO 




1—1 


CO 


CN 








I— t 


co 


CS 


CO 


01 




•0681 




1 


1 


CM 

Ci 


1 




CN 




1 


1 


1 






CN 


1 - 

CN 





— 
BO 


ui smuaci 


































O* 


S 


1— c 


CO 


O 


CO 


T« 


p-1 


.- 


— 


r^. 





i~ 


00 


"5 


CS 







— 


© 22 


CO 


-**< 


00 


O 


l-H 


O 


co 


1 - 


»-- 


-r> 




CI 


CO 


I-H 


— 


I— 1 


1 - 


•° .£■ "" 
B !E Jo 


'~ > 


00 




co_ 




i-H 


co" 


»-H 




I-H 




I-H 


I-H 


- - 

I-H 


CO- 

cT 





CN 


CW X 






























CN 


CI 


— 


S a) 








1—1 


























»o 


c 




































1>CT- 

p 

,1889. 


O 


i-h 


t^ 


CO 





-* 


1^. 


CO 





BC 




K3 


X 


O 


CO 


CO 


t>- 


CN 




CO 


CJ 


l-H 


O 


CO 


CO 


«o 


CO 




c-i 


Tl 







•^r 


r-— 


1— 1 


co 




°- 




CN 


co^ 


i-H 






1 


I-H 


I-H 




L~_ 


O 


- L 


= — ■- 








r>T 






CN 














I-H 


of 


co* 


■ -" 


V X 








cs 






















CN 







« Q) 


































«o 


a 




































i 




CO 


CO 


CO 


1— 1 


CO 


<—) 


CO 


— 







so 


^ - 


r^- 


r^ 


- 1 





00 




t— 1 


1— 1 







r^. 


l-H 


^r 


•* 


C5 


I-H 




t— ' 


cc 


Tl 


rs - 


co 


00 I— 1 









t^ 




CO 


1^- 


l-H 




t^ 




r-H 


O 




O 


— 


CO 


s « 


| 






























m 






IM 




K3 






CO 


CN 








CN 


l-H 




t^. 


•c 






<& 




t~- 


























1 - 


< ci 






CN 


























EX 


0) 




































Q 


































46- 






co 


to 





CO 







CI 


CN 


Tf< 


00 




00 


■* 


_, 


O 


— 


O 




B 


t^. 


"«< 


00 


— 




CN 


CN 


»o 


O 


CO 




t^ 


W5 


— 


CO 




OC 




,e 


i—> 


■^ 


CM 










O 


CO 


•**< 


CO 






00 




v: 


o^ 


00_ 


OD 


9 



€©■ 


co" 




r-f 


1 




CO 








1 






cn" 


ur" 


t-T 


I-H 


H 










CN 






















I-H 


CN 




M 

D 


< 








1— 1 


























iff 


H 






































3 

25 
M 

E 


00 05 


CO 


CO 




CN 




CO 


»o 


— 


co 


C5 







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re 


O 


t~ 


■TJ 


1 £ 


•q 







O 




00 


Tt> 


I-H 


CN 


CN 




CO 





O 


O 





5 


CN 


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CO 




CO 


CO^ 


CO 




O 




00 


CO 


s 


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irt 


X 


(ft «— 

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1 


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a 


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f— 1 
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c-i 


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•— ( 







l-H 


CO 


CO 


co 


»o 


t 


_ 


■^1 


cc 


1 - 


t>- 




co 


"* 


CO 


t— 




CO 


^J« 


C5 


■^ 


00 


I-H 


C5 





— 


- 


c; 






£ 


CN 


T* 


CN 


r- 




05 


CO 


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CO 







CO 







c 


C. 


— 




•s 


S§> 








1 


























© 


CO 




t— < 






Tt< 


l-H 




I-H 






l-H 


CN 




r^ 


QO 


C3 










CO 






















I-H 


CN 


0B 


CO 










1— 1 




























"■* 


5 


































^F 


K 






































H 


■ 


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OS 









CO 















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CN 


00 


CO 


O 


s 


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t-^ 


t^- 




CO 




CO 


•-H 












CN 


c-i 


— 


r^ 


-9« 


O 


0a> 


«r^ 


| 


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| 


l-H 


«D 


1 


1 


| 




1 


CN 


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BO 


D9 


O^ 


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S 




co" 




co" 






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' 








r~-T 


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of 


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co 


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CO 





— 




CO 




CO 


— 


■* 


-- 


CN 


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l-H 


t~~ 




CO 


CO 






CN 




co 


— 


— 


m 


HO 


30 


00 — 




l-H 




t-^ 




CN 


«D 


°L 


I-H 


CO 




°\. 


CN^ 


00_ 





t^_ 


C5 


CV ^T 


۩= 






0" 






I-H 


I-H 






1 


CN." 


l-H 


co" 


1— 1 




j; 


00 to 








00 






















l-H 














l-H 


























¥? 


Q 




























































































































tc 





































rn 




to 






^ 





























A 


-c 






CO 














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♦a 1 

3 

CD 






- 



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l-H 




- 








CO 










W 




s 















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3 










a 







c-T 




CO 

ai 

O 




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-a 

3 



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3 


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a 

la 

M 




3 


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s 

CO 

00 












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<J 


9 


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-a 


O 


cT 

Ih 

O 


O 


-1 


s 


- 


• 


• 


• 






'a 






"3 
c 
u 


— 
r 




— 
3 


* 


3 
c3 

— 

— 
CO 


s 


6 


O 

c5" 

tc 

Ih 

O 


to 

Ih 

O 


3 
- 




CO 
GO 


3 


> 
O 
3 
O 

— 


X 













s_ 


5 


O 


ai 


CO 


t» 


O 


O 


e3 




• 

-. 












- 


"a 


CO 

"3 


c 

c3 

•— 


3 

to 

c3 
O 
- 


C 


3 
S3 

O 


O 
CO 


O 
CO 


CO 


3 
- 


3 
_c3 

O 


3 
— . 









3 





SJ 


^3 


_= 


!— 1 


Cm 


«)H 


m4 

1 

3 

CO 


c3 
H 

M 
O 














.5 


S 

t3 


Ph 




— > 


"3 



l-H 


•-4 

- 

O 
Ph 


CO 

O 

CJ 

X 


QQ 
'■5 
— 
O 
O 




CO 

3 
O 
CO 


o 

CO 

3 
O 


O 

CO 

3 
O 


a 

*S 

S3 


— 


«s 


— 





1890.] 



AND CORPORATIONS. 



lix 



eo ira co os co 
co -* ta co ■— i 
if co i—i 



rf<OOi— iTt<COCOCOCOt— ©COOSifOS 
CO HO OS CO -h 00 ■— i i-H -«*l CO CO CO OS CO 
i-h O l>- >-l i-H 00 >-• 



■— I CO i-h 

CO o »© 

•<}< CO 



O OS 



os co co os 

CO -<* CS o 

i— i o r>- 



if i-i CO 
O CS CM 
i— 1 i— I CO 



r^ 


lO 


*C 




co 


»o 


CO 


r>. 


OS 


© 


OS 


CS 


lO 


CO 


»o 


CO 


o 


CS 


on 


CO 


t-~ 




tf3 


CO 


o 


CS 


CO 


if 


o 


(M 


to 


o 


CO 


•—( 


l-H 


CO 


M< 


l-H 


CS 




i-H 


»o 


CO 


CO 


t» 


CO 


GO 


f*. 


CO 


CO 


CO 


t-- 




Tt< 






































CO 


to 




1 






1— I 




13 


CO 


O 














l-H 


<& 
















CO 








• 












CO 


If 


o 


t» 


CO 


o 


o 


CO 


t^ 


00 


OS 


CO 


o 


-* 


tK 


CO 


CO 


If 


OS 


<M 


If 




WS 


o 


1^. 


CN 


i—i 


CO 


3 


r^ 


■*# 


i-H 


CO 




CN 




CM 


iQ 








CO 


CO 




CO 


i-H 


<M 












b~ 


۩= 












1—1 




CO 












1 








<M 


lO 


CO 


OS 


CS 


CS 


CO 


if 


O 


Th 


CO 


o 




!>• 






o 


00 


co 


CO 


o 


O 


co 


T* 


00 


CO 


o 




CO 


if 










i-H 


to 


(M 


o 


CO 


I— 1 


CO 


CO 


o 


1—1 


o 


if 




OS 










l-H 


t-~ 






































CO 


CO 

1—1 










«5 

i— I 




l-H 






if 
CO 












o 



o 


OS 


OS 


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CO 


CO 


o 


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If 



CO 


CO 


CS 


i-H 


kQ 


CO 


CO 


o 


00 


CI 


o 


I-H 


t>- 


l-H 


o 


If 


OS 


If 


H 


CO 




CS 


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CO 


CO 


CO 





OS CO 

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CO CO 



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CO CO oo 

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CO 

CO 

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i— I OS ITS 

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CO 



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CO 



co o CO CO 

l-H CO O I—" 

i^ co if © 



o 

CO 



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co 

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pq 



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s 

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c 

3 


>? 
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as 


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OH 


3 
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CS 


03 

e 


as 

CS 

3 


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N 


a> 

> 


"as 


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*-> 

3 


3 
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a 


2 


as 
3 


3 


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Ph 


pq 


5 


^ 


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as 

pq 


03 


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03 












03 


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3 


as 


as 


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3 


as 


as 


as 


as 


as 


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Ph 


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Ph 


Ph 


Ph 


PS 


PS 


- 


CO 


OS 


os 


as 


03 


03 


CO 


















3 


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3 


3 


3 


3 


3 


3 


3 


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as 


OS 


as 


as 


as 


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as 




us 


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s 


3 


s 


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s 


3 


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3 


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(jp 1-4 »-• i^ »-i »-^ W 



lx 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



•0681 

ui silica 



O f-l CO i-H 



co co i-^ e^ 



oi 



r>. 


co 


r-~ 


b- 


o 


l~ 


© 


CO 


co 


CO 




o 


■* 


1— ' 


co 




co 





i— i m — — 
r»- co ~- -o 

CO ■— i CO CO 



lO 


o 


CO 


Oi 


OS 


r^ 


00 


■* 


o 


co 


o 


c 


— 


-.r. 


Ci 


-* 


co 


(M 


r» 


Tl 


CO 


CO 




■--. 


oo 


— 


© 


r~ 




co 


1— 1 


CO 


CO 


■— i 


■f 




CO 




«- - 


•—1 


CO 


CO 



S "S; m 



09 


UO 


00 


00 


1—1 


o 


00 


CO 


■ - 


t^ 


I-H 


o 


h- 


oo 


— 


t^ 


CO 


C3 


CO 


o 


CO 


■ - 


~<p 


ao 


o 


CO 


© 


co 


co 


»o 




CO 


C*l 




co 






CO 


o 


CO 


© 


00 


t>- 


C 


— 


© 


V. 


ao 



« _r 



4te 



1-H CO ■— I-H 



a 
o 
O 



6 

- 
« 

H 



- o 



CO 


urz 


CO 


00 


00 


© 


00 


CO 


CO 




■**« 


© 


-* 


CO 


00 


CO 


4& 


CO 


CO 


i— t 




r— 1 


t» 


I-H 



— BE Oi — 
«0> Ol O Q 

OS CO Ol 01 



co 



lo r- eft r>- 

O I-H t~- ■— ' 



T* 


CO 


■* 


00 


o 


t^ 


O 


03 


— 




<o 


CO 


i-h 






•»»< 


c 




OI 


30 


00 


irz 


QC 


CO 




r— i 


o 




























CO 




■»»> 




CO 




co 


i—i 


CO 


CO 



o 


CO 


CO 


o 


t^ 


o 


_-l 


CO 


co 


CO 


t^ 


CO 


1-H 




«o 


CO 


oo 


Tf 




CO 




r^ 


00 


CO 




r>- 





or. 


o 


30 


«* 


•o; 


OI 




O 


t^ 


o 


•— i 


"<j« 



CO 

of 



i 3 



-o 


© 


•«?. 


CO 


CO 


^. 


i— t 


CO 


CO 


© 




h- 


39 


co 


CO 


CO 


»— 


c 


CO 


1-H 


■**• 
















1-H 


■* 


co 


1—1 


CO 


1-H 


1-H 



t^. — to 03 

->f "* CO — 

BO OO Jl^ 03 

co ^ 1-4* 



s 

-z 
p 

« . * 

o - 

c o 

CD G 

n ^ 

I • • I -- • £ 

CS *i ^J ~ — — CJ 

« ^^ HhJ, « — *- CJ fc- -j ^^ ~M —• ^^ 

Ph )— i <; hh <3 •-) t- 1 ^ S - - » ^" s 



1890.] 



AND CORPORATIONS. 



lxi 



CO CO i-H 00 i-H 

II I I I I I I I 



I I I 



CSCM-^O^^hOSCS© 
OS CO rH CO r^. CO i— < ^ 
O i— I >o 



csocsoococoeocMOs 

CMOCMCMCO'«t"CSir3t--CM 
i-l CM •—• 



Tf i— ( CO 

OS .-H CO 

O 



h-. 


CO 


CM 


id 


r~- 


co 


CM 


CO 


o 









o 

CD 



CO 


CO 


CO 


CO 


1^- 


i—l 


o 


«o 


CO 


o 


t^ 


lO 


l-H 


CO 


"H/l 


t— 


h- 


r~- 


CO 


^ 


CD 


1—1 




CO 


o 


CM 


CO 


o 


CO 


o 


I— 1 


!>. 


OS 


CO 


co 


CM 


<M 


l-H 




o 


-*l 




CO 


OS 


r^ 


CO 


CO 


r>- 


CO 






o 


• I— 1 


CO 


CM 


CO 


CM 










































CM 


CM 

I-H 




r-l 


CM 


CO 

ft 


I— 1 


CM 


1 o 

l-H 


OS 






l-H 




CM 











tH CM t>- 

CO CO i-H 
l-H CO 



1^ 


CO 


lO 


lO> 


CO 


l-H 


00 


T* 


-* 


h~ 


l-H 


T* 




CO 


•* 



OS 


"HH 


o 


o 


h~ 


CM 


CO 


CO 


CO 


l-H 


1— 1 


CO 






CM 



CO 



-* 


l-H 


OS 


CO 


■* 


-* 


CM 


t^ 


CO 


CO 


>o 


h- 


i-H 


CM 


00 


CO 


o 


l-H 


iO 


OS 


»C 


CO 


t-l 


OS 


l-H 


t-~ 


CO 


o 


CO 


CM 




CO 





*c 


OS 


>ra 


o 


CM 


CO 


OS 


CM 







o 


CO 


CO 




CM 


o 


l-H 


CO 


CO 


OS 


CM 


o 


i-H 




CO 


CM 


irs 


i-H 


CM 


r-H 


CM 


OS 




CM 


o 


t- 


CO 


•"* 


CO 


OS 


l-H 


CO 




co 


•**« 


CO 


l-H 


CO 


i-H 


CO 


l-H 


1 


CO 


i-H 
CM 




o 

i-H 


CO 

l-H 


' & 


CM 


i-H 


l-H 


1 


CM 


CM 


CO 


CO 


CM 






l-H 


t"~ 


CO 


















o 




lO 












CO 


*a 


o 


















CM 




i-H 












CO 




CM 


















CO 




CM 












i-H 














1 




1 


1 




1 


00 




1 


1 



CO Tt< 00 
-* CO t- 

* l-H i-H 



o 

CI 



1* 



CO 



CS lO OS 

OS^ TjH_ CO^ 

■^ i-T r-T 



co 
o 

CM 



lfi O »C3 OS 

Tt< cm © io 

CM^ i-H H CO 



■iS 

t— I 

a 
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o 

w ....... 

.t3 co~ -2 

* CD O 5° t** Oh 

o os „ tc OS *r >> £T 

a ~ £ f . ' * * -a • • v 3 a .8 

3^ , gS«§ s iS&8:§ ° ^ i « 

S3 £ -2 S .Si » .Si .Si .Si S « » c ? fe ! I '3 j 

^^0&HpHf-P,P^pHeUpHpHpHpHPHCWp5pHtfrt 



Ixii 



SUMMARY OF ASSOCIATIONS [Dec. 31 , 



"a 

<v 

-73 

a 
o 



6 

w 

H 











CO 


1—1 


i— i 


l-H 


I— < 








t>- 












•0681 


1 


l 


1— 1 










1 


1 


1 


>— i 


1 


1 


1 


, 


i 


uj sqjBaa 


































o 




o 


m 


t^ 


CM 


lO 


^-t 


id 


t>- 


CM 


o 


co 


r-~ 


CO 


CO 


00 


J-" co 




o 


OS 


00 


CM 




■«* 




•<*< 


r^ 


oo 


o 


00 


l-H 


l-H 


00 


a 3 H . 




l-H 


CO 


I— 1 


•— i 


r— 1 


>-H 




i— t 




as 


CM 










g «, to 


1 
































S v 


































Q 


































c5 

1 OO 




<N 


■**> 


t^ 


O 


as 


1—1 




00 


_ 


CO 


CM 






CO 


»iO 


U CO 




as 


I--. 


CO 




o 


•* 




00 


«o 


Tl 


t^ 








CO 


■Q O. _j 


1 














I 






O^ 


i—i 










a s co 
















I 






I— 1 




i 








CJ CO 


































*•"-• cs 


































« cy 


































a 


































o 
o> ■ 




eo 


•—1 


OS 


CO 


00 


CO 


CM 


as 


^ 


cs 


-<*< 


t— 


Os 


t^. 


eo 


CO 






o 


<* 




■* 


Tf 


CO 


•a 




CM 


■—( 


CO 


IQ 




o 


00 i— 1 




CM 


CM^ 


Tf 


00 


•^ 


co^ 




t» 




•V 




CM 


i-^ 




CO 


o i-T 


1 


۩= 


l-H* 






•—1 


I— 1 








•-H 












s » 


































xj o 


































V 


































Q 








































eo 


ec 


to 


CM 


o 


t>- 


00 


r— i 


1^ 


CO 


UO 


CM 


■»*• 


o 


■-H 




0> 




eo 


i^ 


IQ 


as 


co 


C^l 


eo 


o 


CM 


»o 


t>- 


i—i 


CO 


l-H 


o 




A 




F— 1 


CO 


o 


»Q 


CM 


CM 




o 


■*< 


CO^ 




l-H 






CO 


OO 


o 


1 


a» 




i-T 














I— ( 












H 


a 


































K 


< 


































H 






































































Q 
K 

W 


CO 




•**< 


co 


i— 1 


CM 


co 


o 


o 


o 


CM 


CM 


o 


^H 






o 


CO 3 




3 


I— 1 


CO 


CO 


o 


eo 




CO 


i-^ 


CM 


CS 


t^ 






eo 




m 


O 


o 


o 


o 




f— ( 


l-H 


<M_ 


00 


l-H 








CO ■- 

C «S 


1 


۩= 


ctT 
















t^T 






1 


1 




W 
























f— < 
















b 




t* 


CO 


l-H 


o 


o 


l-H 


>* 


eo 


O 


■* 


00 


o 


CM 




eo 






<— i 


00 


00 


CO 


eo 


o 


i>. 




as 


r» 


i^ 


o 


CM 




Tl 




J3 




CM 




CM^ 


l>. 


i— t 


as 




as 


CO 




OS 


«o 


CM 




•^« 


© 


O 


1 


۩= 




l-H 






















1 




C5 
CO 




































1-1 


9 


































55 




































M 


CO 




i— i 


•o 


o 


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© 








00 


i—i 








h~ 




S3 


c 




^H 


o 


O 


k>. 


■** 








t^ 


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l-H 




o 




CM 


oo^ 


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CO 












cs 

55 

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§ 

CO 
CO 

CO 

CO 

■4 


1 


<5©= 


cxT 












I 




i— i 


1 


1 


1 




1 


CO 




CO 


CM 


CO 


■* 


K0 


CM 




r^- 


to 


(M 


^ 








00 


« °° 




CO 


o 


CO 


o 


■f 


o 




o 


!>. 


as 


CM 








o 


■2 




I— 1 


«o^ 


co 




IQ^ 


Cvl 




*o 




CM 










CM 




1 


«t> 


CM* 




t— 1 


r-t 


^r 


I 






<M~ 




1 


1 


1 




co «> 


































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CJ 


































a 






























































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CO 
















































' 








CD 

B 

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• 






Oh 
03 




• 




. 


• 


• 


. 


. 


H 


• 


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03 


• 


• 


• 


• 


• 


3 


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03 

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# 


o 


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c 


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# 


o 


ft 


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a 


13 

< 
p 


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03 


o 

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c 

a 

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s 

03 
— 
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s 




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— 
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o 

E 


cc 
as 

£ 


CS 

2 

OS 

■a 

3 


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<o 

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03 

Q 


— 
CO 

oT 

CJ 

3 

OS 

cs 


' 


CD 

O 

— 

o 

CS 
CS 

c 

CO 




as 

2 


"3 

3 


Jh 

O 

P- 


4-3 

CO 


_uo 


CO 




03 

o 


03 

e 


as 
QQ 


3 


OS 

2 


•-3 
as 

3 


of 


O 

3 
— 




c 


3 
as 
Ph 


"3 
S 

a? 


O 

O 

CD 


Ph 

o3 


03 


03 


o 




o 

Ph 


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3 


3 

.5 


3 

.2 


CS 
Ph 


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3 
2 




13 
i— i 


« 


ffl 


03 


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B 
as 


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3 


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c— 


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>> 

s- 

3 

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o 

s 

to 


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c 


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CD 


E 
IS 


c3 


a 


- 

3 


03 

3 


o 


HH 
5 


3 

03 




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o 


— 
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o 

1-9 


o 

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o 

>-9 


O 


- 


s 


E 

OS 


■3 

3 
c3 


3 
03 


4-3 

CS 


"3 


— 
CS 




O 


03 
















03 


s 


U 


O 


c 


o 






Ph 


Ph 


CO 


GO 


GO 


cc 


CQ 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


y: 


CO 



1890.] 



AND CORPORATIONS. 



lxiii 



I-H I— I CO 



■o o 


CO 


o 


CO 


>o 


tH 


N CO 


o 


CM 


r>- 


CM 


CO 


<-h 


>o 











r- 1 I— I GO 

CM Ci CO 

CM rH CO 



co" 



cm" 



t» i-H T* 

O CO OS 
CO i-< CN 



o 

CM 



-H 



1^. 


I— 1 


CM 


»o 


t-- 


00 


CO 


CM 




CO 


i— ( 


Oi 


t^ 


(M 


CO 




CM 


"* 


CM 


■* 





CM iO 
i— i t— 

co" cm" 



CM 



OS 

CO 



»M 

CM j CO 



CO 

Ci 






C5 

IO 

CM 



CO 


o 


o 


CO 


CO 


CO 


CO 


CO 


OS 


CO 


t^ 


t-~ 


CM 


CO 


Oi 


CM 


CO 


o 


05 


Cft 




co 


i-H 




■^ 


CO 


CO 


tO 


CO 


CM 


•<*< 


CO 


CO 


"t« 


o 


Oi 


as 


CO 








CO 












I-H 


CO 










Ci 


I o 

1 «r 

CM 


cn" 

CO 


cc^ 
cm" 

T* 


00 
t—t 
uo 


co" 

CM 


CO 

o 
I-- 



co 

CN 



r-~ 


t— 


t— 


i— i 


CO 


»— i 


t» 


CO 


CM 


CO 


•— < 


CM 



a 

■»H 
CM 



۩= 



CO CO 
i-H CN 

o o 



€& 



"M 
© 

o 



© 



CN 

co" 



C5 i-H 00 O 
■^ (^ CD o 
r-H CN O i-H 



CO -H 

CO 



OS 



IO 

1—1 
09 



S&= 



00 



CM 



o 

2- ■ 



00 ■* CO 
CO OS o 



OS 
CN 



00^ 

co" 



o 
o 

CD 

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CM 



CM 


CO 


CM 


rN 


r^ 


oo 


t~- 


os 


CO 


CO 


CM 


CO 



CO CO 
tH OS 

CN I CN 



<§& 



CO o 

CN ^H 

i— i OS 

«o" as" 



C2 



CO 
CS 



CN 

CO 

5^ 



CO 

c 
c £ 

-2 , . . eo 

° c S 

• W S ^r * * co 

• • 1 .- • • g • • "g § £ ^ I 

ft « « S S - .£ * -s 5 " s 2 

M o £ 8 2 .2 „ «j h g « c g g 
o2 » ^ fl fl £ J? >S ►£ £ £ ° ° 



S3 



S CO 

« ,2 CO 



— 



-a 
o 



lxiv 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



.a* 





CO 




s 




O 




•<s> 




■*o 




s 




c-> 




O 


. 


^ 


*o 


O 


. 


O 


o 




£ 


to 

s 




05 


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§• 


- 


S> 


< 


© 


H 


s? 



Kl 



00 

S 

oo 
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© 


1— 1 


CM 


CN 


^H 




CO 


1^ 




l-H 


t» 


■^ 


CM 


■1 




§ 


•O 
CO 


CO 
© 


CO 

i—l 


© 


I 


CO 


CO 

l-H 


1 


8 


CN 

o 


8 


1 - 
CM 


— 
© 






•tv 


































o 




eo 






CN 


l-H 


© 


t^ 


CN 




l-H 

CO 








CO 




»-• 










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03 


6 




























H 


9 




























H 


C 




























09 






























< 


i-i 

S3 

6 
w 

Q 


1 


1 


1 


CO 

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of 


l 


1 


1 


1 


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CO 

l-H 
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1 






o 


o 


o 


o 




o 


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© 


o 


© 


© 


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o 


o 


o 


o 


I 


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CM 


1 


O 


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© 


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o 


o 


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o^ 




T*< 


co^ 




CN 


CM 


© 


85 


e« 


































^ s 


CO 


© 




cT 




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c<r 




CO 


CO 


1 - 


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c 2 


LQ 


(M 


CO 


CO 




T» 


i— i 




CO 


o 


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10 


Cl 




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o 


1 


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1890.] 



AND CORPORATIONS. 



lxvii 



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O 






o 


o 






o 


o 


o 


o 


o 


o 


i 




o 


o 


1 


1 


I— 1 


I— 1 


o 


»o 


o 


CM 








CO 
l-H 








CO 


CO 


GO 


03 


CO 






OQ 


03 






u 


S-, 


H 


M 


>H 


U 






t-l 


ti 






03 


o3 


S3 


03 


03 


c3 






03 


03 




, 


cu 


cu 


cu 


cu 


cu 


CU 


i 




cu 


eu 


1 


1 


>» 


>> 


>> 


?►> 


►> 


>> 






>> 


>. 






i— 1 


t^ 


4C 


CO 


Tfl 


CM 






t^ 


t^ 






O 


CM 


CM 


CO 


CO 


CO 


o 




CO 


>c 


I-H 


l-H 


i— ( 


Gi 


i— ( 


o 


r— 


Tfl 


t-- 




o 


Tti 


KO 


CM 


C< 1 


i—i 


l>- 


t->- 


l-H 


CM 


»<o 




OS 


00 


l>^ 


co_ 


























TjT 




i—i 


l-H 


l-H 


l-H 


O 




CO 


t^ 


i-H 


i— r 


«— 1 












i-H 




»o 


1-1 


t>- 


CO 
CM 


CO 


t~- 


o 


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o 


CM 


Tfl 




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o 


Tfl 


th 


CO 


co 


CM 


o 


IQ 


OS 




00 


CO 


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T* 


<M 




i-H 


r— I 


f— 1 




© 

o* 

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co" 


cp^ 

l-H 


CD^ 


«o 

l-H 


O 


lO 


^ 


CO 


CO 


00 


CO 




o 


r-» 


t^. 


o 


CD 


i— I 


CM 


o 


t^ 


OS 


CO 




CO 


*o 


CO 


iO 


■^ 


i-H 


CO 


T« 


oo 


CM 


JO 




o 


CO 


co^ 


Ol 


























t)T 






l-H 




i— 1 


© 




CM 


"* 


CD*" 


CO 


i— i 












»o 

i-H 




i-H 




l-H 


CO 




Tfl 


i—l 


T* 


o 




i-H 




«o 


a> 


Tfl 


lO 




Tfl 


r^ 


CO 


o 


1 


o 




CO 


-* 


i-H 


r— 1 




i— 1 


o 


T*l 


Tjl 




l-H 




OO 


l-H 


o 


l-H 






























>— i 








OS 

I-H 




»o 


i-H 


CO 


o 

00 




- 




• 


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CO 




• 




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• 


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s-T 








• 


t • 


f . 






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• 


T3 




02 








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0? 








■4-3 




H 
H 
O 












O. 

"C 

CD 








cu 

a 






• 








a 




cu 




cu 
















# p 


s 


# 


pq 




Ph 




# 








< 




tD 


^ 




o 












Cm 




03 
CU 


>> 

—^ 


— 

03 




cc 












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co 




■t-3 


"5 
a* 


cu 




1 




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• 






o 

-a 

5 


s 
cu 

e 


a 

CD 

s 

o 

C 


C|_ 

o 

M 


o 
H 




H 

« 
O 

PH 


"oJ 




•il 

— 


• 


CO* 

"3 
o 

4-2 




Cj' 


o 


cu 


cu 




« 


o 


O 




■a* 

< 


n 




T3 

G 


— 

o 


55 


oT 


o 

o 


l-H 


H 

EtH 

O 


co 
+3 


T3 

R 
03 


l-H 

>> 

C 


«3 
CO 


.2 


13 
cu 

+3 


eu 


cu 

4d 


o 
H 




M 

CU 


M 
CU 


o 

H 


o 


o 


"3 


'5 


'c 


'5 






t3 

Si 








Ph. 


<» 


P 


p 


P 


P 






o 


o 







O 

o 

D3 



lxviii 



SUMMARY OF ASSOCIATIONS [Dec. 31, 



60 

S3 

g 

IT 



cu 



CD 


X> 


. 


s«. 


o 


o 


525 


^ 




o 


w 


O 


- 




- 
< 





5* 

O 

3 



Cj 



I 







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o 




o 






o 


o 


o 


o 






£ > 


1 


1 


1 


o 


1 


o 


1 




o 


o 


5 


o 


1 




o! Jj 








o 




o 






o 


I— 


o_ 


©_ 






— 3 






























CC ■» 








TH 




CN 






l-H 




t>r 


«cT 






td 








•» 






















»-i P 




























9 


r- 1 




























CD 






























go 




r^- 


CO 








CD 


t>- 




CO 


OS 


■-H 


o 


<JI 


rm 


d 


cm 


l-H 


1 


1 


1 


T* 


CO 


1 


l^ 


CO 


CO 


l-H 


BQ 




o 


CO 


CD 








o>_ 


r-H 




°°« 


cs 


l-H 


o_ 


30 


H 
25 


P 


۩= 










»o 






t— ( 




•*" 


iC 


l-H 


t> 


"3 






















■V 






O 

o 


pg 




























o 

< 


























































Q 
D 


. 


Q 


o 




m 




o 






o 


o 


CO 


CO 


« 


00 




<M 


1 


co 


1 ~ 


CO 


1 


1 


Tf! 


o 


i-H 


C5 


2« 


¥*■ 


l-H 




1»< 










cq_ 


CO 


°°- 


t-^ 


CO 


&H 


« 2 








cs" 










I— 1 




o 


co" 




H 


pq 








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to 






h 






























M 






























, 




























H 


09 


f^ 


CO 




— 




CD 


r» 




CD 


CS 


cs 


CO 


cs 


— 




oo 


CO 


1 


o 


1 


CN 


cc 


1 


l-H 


CO 


"* 


o 


CI 




CO 


t>- 




°5. 




o_ 


I— 1 




o 


t>^ 


°i 


CO 


r-» 




> ce 2 

«•< a 

c> _ ej 


a» 






t>r 




CD" 






co" 


l-H 


cT 
cs 


CD 

l-H 


cm" 




<ssa 






























1-1 ? 






























£ 


































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CO 


CM 


I— 1 




o 






o 


cs 


CO 


CM 


l-H 




<u 


CN 


1— 1 


co 




1 


CM 


1 


1 


CO 


00 


CO 


CD 


CO 




cs 

c 


€©■ 




l-H 


C5 




CM 






l-H 




l-H 


CN 


l-H 




03 








cT 




t>r 










co" 








"S 


* 






CD 






















B 






























CD 


t^. 


o 


<M 




o» 


CM 




cs 


CM 


CM 


OS 


o 




s 

CO • 


CM 


CO 


CO 


CO 


1 


00 


c 


1 


o 


^o 


»o 


8 


o 




©_ 


CO 


CD 


t>- 




CO 


r. 




°i 


c^ 


CD 


co_ 


© 


CO 

II 




>o 




o" 




ci" 






oT 


l-H 


pH 


CD 


of 


OR 


s 






CD 




CO 










CO 


l-H 




vi 


w 




























H 
Y. 
P 

O 

o 

O 


































o 


CO 


CM 


CO 




OS 


CM 




■* 


l-H 


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CD 






kO 


o 


CD 


l~ 




o 


lO 


1 


OS 


CM 


1— 1 


h» 


CD 






o^ 


CO 


r^ 






l—l 


OS 




cs^ 


o 


CO 


CM 


— 




2 




























< 




,—4 


o 




CO 




t*~ 






cT 


CM 


r— 


CD 


CS 






o 


tt 






CN 




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l-H 




CO 


l-H 




p 




E-i 








I— 1 




















p 
































Eh 

co 


































© 


CO 


CM 


CO 




cs 


CM 




CO 


CO 




CM 


i-H 


25 


BD 


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■a 


o 


os 


h>- 


1 


o 


«o 


1 




o 




l-H 




H 


V 


© 


CO 


t^ 


I— < 






cs 




o 


CO 


CO 


CO 


»o 




































H 
O 
id 


^ 


.—i 


IQ 




CO 




t~- 




• 


OS 


f— 1 


t— 


CM 


r>- 


o 


flt> 






CM 

I— ( 




•* 










CO 


1—1 






« 


< 














































CD 






c: 


'«*• 








l 




1 


1 


1 


1 


1 


1 


l~- 


— 


1 


o 


o 






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CO _ 


















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t>- 




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l-H 






CO 


l-H 






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00 
00 

o 

Ih 

o 


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as 

a 


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o 


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00 

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fcfi 
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c 


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00 
00 

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JO 

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H 




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p 


09 

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o 

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a 

CJ 






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03 

a> 


p 

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s 

o 

c 


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CQ 


o 




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a 
s 


c 

w 

n 

a 

o 
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s 

03 


£ 

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— 
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> 
u 

— 

o 


a 

o 
o 


s 
to 

03 


— 
o 

00 

h 

ov 

S3 
00 


as 

= 
o 

CA 

o 

- 


o 

00 

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"3 

o 

00 


fa 

Si 

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o 


— 

c 

OB 

s 

o 

— 


X 

00 

— 

"3 

B 






6 
o 

a 

03 


- 

03 


hi 

Ph 

a 

03 


Ph 

s 

03 


as 

- 

— 
03 


3 
Ih 

o 


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CI 


00 

< 

c 


< 
>> 


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Ph 






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o 

s 


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s 


E 


s 


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03 






a 

5 

o 


(h 

OS 

03 
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r3 

c 


■a 

Ih 

s 


Xi 

z 








< 


< 


< 


•«{ 


< 


Ph 


u 


o 


o 


Ph 


Ph 


5 


— 
— 



1890.] 



AND CORPORATIONS. 



lxix 



- 
c 



— 
© 

© 



o 
o 
c 



o o o o 
o © o © 

O O O — ' 



t^ 


00 


I-H 


co 


CO 


I— 1 



— 


o 


O 


© 


«3 


© 


© 


= 





O 


CO 


© 


>ra 


Tt< 


© 


© 


© 


CO 


t^ 


Tt< 


lO 












© 


i— 1 


cn 




CO 






o 


o 


t— 


© 


CO 


© 


© 


lO 




© 


»ra 


"*■ 



CN 

co 






»o © 



© 
-M 

'O 



CO 
CO 



i s 

CO 



© 

CO 



© 



©_ 



© 


»o 


© 


*a 


r^ 


1-^ 


1— 1 


co 


"* 


© 


«o 


© 


CN 


■* 


© 












t^ 


CN 




■* 


i— i 


>Q 


© 


lO 


i-H 


i—i 


© 


© 


© 


© 


o 


CN 


CN 


© 


CO 


CM 












CO 


CO 


© 




CN 


CN 


1— I 


CO 


I— 1 





CM 
OS 

3D 



I— 1 


CO 


© 


© 


CO 


© 


© 


o 


CO 


co 


CO 


CN 




© 


CN 


>o 


t^ 


CO 


CN 


t-^ 





CN 



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CO CO 

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T* 



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co © 

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CO — ' 



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co 


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O 


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CO 


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r^ 


CN 


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t^ 


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I— 1 


CO 


CO 


© 


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CO 


© 


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CO 
















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CO 


t^ 


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CO 


CN 


t^ 


co 







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CO 


CO 


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r— 


CM 


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CO 


CO 


© 


r— 


t^ 


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m 


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lO I— 

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CM 


• © 


CO 


lO 


t^ 


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CN 


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CN 


h~ 


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CN 


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CO 


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CN 














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CN 


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t^ 


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CO 


h- 


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CN 


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CO 


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03 



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a . 

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00 *+h 

a <u 

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a a 

x Si 



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co •° 

r-T 'O 

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1 a 









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s 

< 


hi 

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O 
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c 

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O 


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cu 


CO 


CO 

CO 


T3 

3 


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a 


c 
PQ 


T3 

s 

1-4 


T3 

h-1 


CU 

CO 


co 


M 

o 


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T3 


73 


CO 






c 


c 


fi 


CO 


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o 


oi 


03 


3 














u 


C3 






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T3 


s 
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u 

cu 


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CO 

c3 


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B 
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co 
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pq 


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3 


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3 

CO 

s 


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02 


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co 


3 

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3 


S3 

o 


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pq 


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3 
ao 


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CO 


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CO 

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CO 


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03 


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o 




P 

CO 


CO 
CO 
CO 

3b 


a 

3 

CO 


CO 

co 
co 


w 

3 
03 
CO 


o 

3 


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pq 


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3 


3 

o 

o 

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3 


03 

H 

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3 


CO 

s 
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co 

CO 
CO 

03 


CO 
O 


CO 

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t» 

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co 

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03 

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OH 
O 


3 


O 


O 


O 


O 


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3 












3 


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03 


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IS 


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55 


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5 « 



lxx 



SUMMARY OF ASSOCIATIONS [Dec.' 31, 



p 

S3 
O 

O 



to 

o> 
ss 

so 
03 
&1 



03 

03 



.o 

so 

© 

6 

to 

s 

03 



so 
03 



03 

CC 

oo 
cc 



CO 

6 

- 




« a s 

- : - 



— oo efl 

t— — i re 



c 



o 


o 




Q 


c: 










5 


cc 




c 


1— 1 




C 


CI 














<M 












CN 












t _ 


t^. 


a 


QO 


«* 


- 


— 


BC 


CO 


C 








:/: 


t^ 


00 


t^ 


»-C 














O 


-— 


■■1 


»C 


OB 


CC 



00 sr 



s 



— 


o 


o 


o 


I - 


o 


BC 


:c 


CI 


-1 


cc 


i Q 


CI 


SB 


— 



co 

00 



CC -f CC CI 
O C Oi 'C 

CO CC »0 CC 



Q» 
of 



v; — r. 

yi rr. cc 

5 to 05 

©" cc" of 

— CI CI 



¥=* 




00 


cc 


o 


- 


o 


h~ 




CO 


r_ 




CN 


>o 


_^ 


r>- 


o 


00 


iC 


Tt" 


CO 


CC 




-N 1 




1 


OS 


t» 


r. 


r^ 


cc 


t>- 




CN 


00 


CO 






© 






cc 


c 


X 






























r-~ 


T* 














l-H 








CO 






CN 


























3? 




























0B 


cc 


CO 


CO 


** 


>c 


»c 


i-C 


CO 


cc 


Oi 


■c 


K 


0B 


OB. 


i— i 


00 


iC 


■* 


0B 


CO 


UC 1 


o 


— 


— 






IC9 


»c 


cc 


s*< 


03 


00 


00 




l~ 


•-H 


3D 


cc 


CI 


— 
































00 


OS 


f— I 


00 


<* 


»c 




CO 


1—1 


tC 


CO 


CN 


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>c 


CO 


1— ( 


s* 


1— 1 








CO 






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CN 


cc 


€£ 





























CN ."* 
O i- 
CM CC 



cc 

— 

0B 



O OB 
r^. eo 

CO lO 



q 



4fe= 



•**• 


■*>> 


00 


OB 


•* 


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MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1890. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business Sept. 4, 1851.] 
Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, including additions, 



Total, 

Deduct amount paid for re-insurance, 



Total premium income, .... 
Cash received for interest, .... 
Cash received for rents of company's property, 



Total income, ' . 

Net or ledger assets Dec. 31, 1889, . 



Total, 



$289,565 51 

750,569 28 

1,571 94 

$1,041,706 73 
21,124 83 

$1,020,581 90 
199,337 85 

18,889 56 

$1,238,809 31 
4,223,658 70 

$5,462,468 01 



Disbursements. 

Cash paid for losses and additions, $305,221 11 

Premium notes or loans used in payment of same, . . 3,823 89 

Cash paid for matured endowments and additions, . . . 84,098 06 

Premium notes or loans used in payment of same, . . 942 94 

Gross amount paid for losses and endowments, . . $394,086 00 

Cash paid for surrendered policies, 165,729 04 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 11,593 31 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 1,571 94 

Cash dividends paid policy-holders applied in payment of 

premiums, 126,909 15 



Total paid policy-holders, . 



$699,889 44 



4 MASSACHUSETTS LIFE [Dec. 31, 

Cash paid for dividends to stockholders, $1,785 00 

for commissions to agents, 126,922 87 

for salaries and travelling expenses of agents, . 27,808 81 

for medical examiner's fees, 13,182 00 

for salaries of officers and office employees, . . 26,929 21 

for taxes and fees, 15,889 70 

for rent 7,681 52 

for advertising, 5,680 17 

for incidentals, . . . . 22,033 03 

Depreciation, 1,759 13 

Total disbursements, $949,560 88 

Balance, $4,512,907 13 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$452,765 63 

2,525,455 25 

587,875 00 

133,263 99 

683,464 68 

572 37 

111,616 60 

2,225 31 

15,608 30 

$4,512,907 13 
1,876 13 

. $4,511,031 00 



Other Assets. 

Interest due and accrued, 50,847 80 

Rents due and accrued, 125 00 

Market value of stocks and bonds, over cost, .... 43,289 75 
Uncollected premiums on policies in force, . $56,689 03 
Deferred premiums on policies in force, . . 84,965 87 

Total, $141,654 90 

Deduct loading (20 per cent.), .... 28,330 98 

Net am't of uncollected and deferred prem's, . — ■ 113,323 92 



Total assets per company's books, 



. *4,718,617 47 



1890.] 



INSURANCE COMPANIES. 



Items not admitted 



Agents 1 balances, 
Bills receivable, 
' Total, . 

Total admitted assets, 



$15,668 30 
2,225 31 



$17,893 61 
. $4,700,723 86 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . .$4,186,823 00 
Deduct net value of re-insured risks, 47,375 00 



Net re-insurance reserve, 

Matured endowments due and unpaid, . . $1,913 13 

Death losses and matured endowments in 

process of adjustment, . . 15,906 00 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, . 

Premiums paid in advance, 

Bills payable, 



. $4,139,448 00 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, 



$529,127 19 



17,819 13 
2,677 66 
9,283 55 
2,368 33 

$4,171,596 67 

25,500 00 
503,627 19 



Gross liabilities, $4,700,723 86 

Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $134,710 32 

Premium notes received during 1890, . . 27,852 48 

Total, $162,562 80 

Used in payment of losses and claims, . . $4,766 83 
Used in payment of surrendered policies and 

voided by lapse, 11,593 31 

Redeemed by maker in cash, .... 12,938 67 

Total, . " . , 29,298 81 

Balance note assets Dec 31, 1890, $133,263 99 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889- 

Number. Amount. Total No. Total Amount. 

. 7,339 $17,931,320 00 

. 2,858 6,534,558 00 

237 392,700 00 

196,385 00 

10,434 $25,054,963 00 



MASSACHUSETTS LIFE 



[Dec. 31, 



Whole life, 
Endowment, 



Policies issued during the Year. 

Number. Amount. Total No. Total Amount. 

. 2,588 $6,360,500 00 
287 770,833 00 
2,875 $7,131,333 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Totals, 



Old Policies revived. 

83 $39,801 00 

4 9,000 00 

19 48,500 00 



106 



97,301 00 
264,171 00 



13,415 $32,547,768 00 



Whole life, 
Endowmient, 
All other, . 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 

Not taken, . 



Policies terminated during the Year. 
. 1,384 $3,205,400 00 



296 


683,555 00 


55 


284,250 00 


1,735 


$4,173,205 00 


How terminated. 


136 


$310,951 00 


57 


85,041 00 


41 


72,500 00 


192 


727,081 00 


672 


1,444,632 00 


637 


1,533,000 00 



1,735 4,173,205 00 



Policies in force Dec. 31, 1890. 



W r hole life, 
Endowment, 
All other, . 
Reversionary additions, 



8,626 $21,126,221 00 

2,853 6,630,836 00 

201 343,700 00 

273,806 00 



11,680 $28,374,563 00 



800 shares N. Y., N. H. & H. Railroad, . 



Schedule A. 
Securities held as Collateral. 

Market value. 

$204,000 00 



75 
27 
16 
398 
64 



Third National Bank, Pittsfield, 
Boston & Albany Railroad, . 
Stockbridge & Pittsfield R R., 
Smith Paper Co., . 
Pittsfield Coal Gas Co , . 



13,125 00 

4,995 00 

1,840 00 

39,800 00 

10,240 00 



} 



Loaned thereon. 
$174,000 00 

16,000 00 

14,250 00 
7,000 00 



1890.] 



INSUEANCE COMPANIES. 



15 shares Pittsfield National Bank, 
104 " Boston & Albany Railroad, . 
20 " Third National Bank, Pittsfield, 
17 " Agricultural Natl Bank, Pittsfield, 
5 " Third National Bank, . 
44 " Pittsfield National Bank, 
5 " Boston & Albany Railroad, . 
7 " Pontoosuc Woolen Co., . , . 
122 " Massasoit Paper Co , 

7 " Boston & Albany Railroad, . 
40 " Third National Bank, . 

1400 " AVestern Union Telegraph, . 

200 " Lake Erie & Western R.R., . 
Richmond & West Point Terminal bonds, 
Richmond & Terminal bonds, . 
Chicago, St. Paul & Omaha R.R. bonds, . 
St Louis, Iron Mt. & Southern R.R. bonds, 
300 shares Chicago, Burlington & QuincyR R. 
100 shares Cleveland, C, C. & St. Louis R.R., 
Southern Pacific Railroad bonds, 
Louisville, New Orleans & Texas R.R. bonds, 
Kentucky Central Railroad bonds, . 
10 shares Third National Bank, 
20 shares Berkshire Railroad, . 
St. Joseph, Mo., city bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
100 shares Old Colony Trust Co., . 

10 " Chicago, Burlington &Quincy R.R. 

30 " Third National Bank, 

28 " Berkshire Railroad, 

10 " Stockbridge & Pittsfield R.R., 
St. Louis & San Francisco R R. and land bonds, 

24 shares Agricultural Natl Bank, Pittsfield, 

8 " N. T. Cen. & Hudson River R.R., 
4 " Delaware & Hudson Caual Co., 

10 " Third National Bank, . 
500 " Jackson, Lansing & Saginaw R.R., 



Market value. 

$2,250 00 
19,240 00 
3,500 00 
4,165 00 ) 
875 00 S 
6,600 00 
925 00 
10,500 00 
19,520 00 
1,295 00 
7,000 00 
105,000 00 "l 
10,400 00 J 
7,680 00 } 
2,040 00 | 
1,150 00 J 
94,500 00% 
26,700 00 S 
5,800 00 ) 
15,600 00^ 
8,875 00 ? 
8,000 00' 
1,750 00 
2,300 00 
11,000 00 
45,600 00 
16,000 00 
890 001 
5,250 00 
3,220 00 
1,150 00 I 
8,720 00 J 
5,880 00 
816 00 ) 
520 00 S 
1,750 00 
40,000 00 



Loaned thereon. 

$1,925 00 

10,700 00 

2,000 00 

2,700 00 

5,000 00 
700 00 
5,500 00 
15,000 00 
1,000 00 
2,000 00 



100,000 00 



100,000 00 



25,000 00 

1,500 00 
2,000 00 
5,000 00 

50,000 00 



15,600 00 

4,000 00 
1,000 00 

1,000 00 
25,000 00 



$780,461 00 $587,875 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

300 shares Pittsfield National Bank, . . f 38,590 00 $45,000 00 

300 " Agricultural Natl Bank, Pittsfield, 60,000 00 73,500 00 

250 " Adams National Bank, . . . 31,250 00 36,250 00 

121 " Berkshire Railroad, . . . . 13,915 00 13,915 00 

185 " Stockbridge & Pittsfield Railroad, . 21,275 00 21,275 00 



8 



MASSACHUSETTS LIFE 



[Dec. 31, 



200 shares N. Y. Central & Hudson River R.R., 

10 shares Commercial Union Telegraph, 
United States bonds, . 
Berkshire County loan, 
Pittsfield Fire District loan, 
Hinsdale Fire District loan, 
Pittsfield town loan, . 
Cheshire town loan, . 
West Springfield town loan, 
Readsborough, Vt, Fire District bonds, 
Dalton, Mass , Fire District loan, 
N. Y. Central & Hudson River R.R. bonds, 
New York & New England Railroad bonds, 
N. Y., Ontario & Western Railroad bonds, 
Iron Mountain & St. Louis Railroad bonds, 
Boston & Albany Railroad bonds, . 



Cost. 

120,550 00 

1,000 00 

128,720 25 

87,350 00 

64,500 00 

35,764 43 

21,000 00 

2,200 00 

7,000 00 

10,000 00 

2,500 00 

30,450 00 

30,500 00 

11,200 00 

10,700 00 

55,000 00 



Market value. 

I 00 
1,000 00 

146,400 00 

88,500 00 

04,500 00 

35,764 43 

21,000 00 

2,200 00 

7,000 00 

10,000 00 

2,500 00 

30,450 00 

30,500 00 

11,200 00 

10,500 00 

55,000 00 



$683,464 68 0726,754 43 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 



[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. George B. Woodward, Secretary. 

Principal Office, 178 Devonshire Street. 

Income. 

Total premium income, $2,002,644 10 

Cash received for interest, 176,311 75 

as discount on claims paid in advance, . . 501 86 

for rents of company's property, . . . 564 67 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 

Total, 



. 82,180,022 38 
. 3,425,530 45 

. §5,605,552 83 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes on loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 



$709,614 59 
2,073 23 

85,999 44 
2,138 47 

$799,825 73 



1890.] 



INSURANCE COMPANIES. 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, ...... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, 

for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, .... 

for advertising, 

for incidentals, 



$88 63 


30,001 90 


1,064 50 


6,602 12 


59,211 49 


5,027 65 


$901,822 02 


503,460 80 


193,965 85 


39,322 50 


54,093 40 


19,242 43 


16,218 22 


1,724 24 


10,144 40 


40,039 49 



Total disbursements, $1,780,033 35 



Balance, $3,825,519 48 

Invested in the folio wins: : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets (as per balance), 



$585,780 11 

1,638,025 00 

192,800 00 

96,085 00 

84,763 10 

1,175,609 45 

3,694 83 

48,761 99 

!3,825,519 48 



Other Assets. 

Interest due and accrued, 50,577 22 

Rents due and accrued, 18 00 

Market value of stocks and bonds, over cost, .... 2,844 12 

Uncollected premiums on policies in force, . $73,482 00 
Deferred premiums on policies in force, . . 51,084 28 

Total, $124,566 28 

Deduct loading, 35,614 83 

Net am't of uncollected and deferred prem's, . 88,951 45 

Total assets per company's books, $3,967,910 27 



10 MASSACHUSETTS LIFE [Dec. 31, 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . . $ 3,576,885 00 
Deduct net value of re-insured risks, 7,075 00 



Xet re-insurance reserve, $3,569,810 00 

Matured endowments due and unpaid, . . $526 00 

Death losses and matured endowments in 

process of adjustment, 12,212 12 

Claims resisted by the companv, . . . 213 00 

Total policy claims, 12,951 12 

Unpaid dividends of surplus due policy-holders, . . . 14,773 10 

Premiums paid in advance, 388 82 

Cash surrender values, 28,180 48 



Liabilities as to policy-holders, $3,626,103 52 

Surplus as regards policy-holders, 341,806 75 



Gross liabilities, $ 3,967,9 10 27 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $89,939 32 

Premium notes received during 1890, . . 6,782 34 

Total, $96,721 66 

Used in payment oflosses and claims, . . $4,211 70 
Used in payment of surrendered policies and 

voided by lapse, 1,064 50 

Used in payment of dividends to policy-holders, 5,027 65 

Redeemed by maker in cash, .... 1,654 71 

Total, 11,958 56 



Balance note assets Dec. 31, 1890, $84,763 10 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,267 $5,851,982 00 
Endowment, . . . 1,893 3,256,256 00 
All other, .... 207 406.000 00 



5,367 $9,514,238 00 



Policies issued during the Year. 

Whole life, ... 227 $388^00 00 

Endowment, ... 571 1,076,750 00 

All other, .... 15 29,200 00 

813 1,494,150 00 



1890.] 



INSURANCE COMPANIES. 



11 



Whole life, 
Endowment, 

Total, . 

Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

Number. Amount. Total No. Total Amount. 

3 $9,014 00 

1 4,602 00 
4 $13,616 00 



6,184 $11,022,004 00 



Policies terminated during the Year. 
205 $320,139 00 
345 557,734 00 

59 112,900 00 







609 


$990,773 00 






How terminated. 


By death, . 


. . 


75 


$130,360 00 


maturity, 


. . 


72 


88,166 00 


expiry, . 


. 


50 


85,700 00 


surrender, . 


. . 


145 


189,969 00 


lapse, . 


• • 


104 


169,952 00 


change and deer 


ease, . 


18 


83,426 00 


Not taken, . 


Policie 


145 


213,200 00 




s in force 


Dec. 31, 1890. 


Whole life, 


• t 


3,292 


$5,929,057 00 


Endowment, 


• • 


2,120 


3,779,874 00 


All other, . 


• • 


163 


322,300 00 



609 



990,773 00 



Industrial policies in force, 



5,575 $10,031,231 00 
.402,147 $45,772,709 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Ottawa, Oswego & Fox River Val. R.R. bond, . $1,150 00 

100 shares Middlesex Banking Co., . . . 10,000 00 

Kansas City, Ft. Scott & Memphis R R. bonds, . 11,100 00 \ 

Atchison, Topeka & Santa Fe R.R. bonds, . 19,200 00 

Marquette, Houghton & Ontonagon R.R. bonds, 10,300 00 i 
200 shares Edison Electric Light Co., 
108 shares Freeman's National Bank, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Boston United Gas bonds, 
City of Boston bonds, . . 
Fitchburg Railroad bonds, 
700 shares West End Land Co., 



63 " Bell Telephone Co., 

220 " Flint & Pere M. Railroad, 

50 " Maine Central Railroad, . 

45 " Fitchburg Railroad, 

16 " Boston & Albany Railroad, 

50 " Kan. City, Ft Scott & Memphis R.R 



Amount loaned. 

$800 00 
7,000 00 



J> 50,000 00 



20,000 00 j 
11,556 00 
42,900 00 ^ 
1,700 00 
10,000 00 
10,000 00 
15,050 00 
13,041 00 \ 
17,600 00 
6,837 50 
3,870 00 
3,120 00 
3,150 00 



10,000 00 



100,000 00 



12 



MASSACHUSETTS LIFE 



[Dec. 31, 



Fort Worth & Denver City R.R. bonds, 
Oregon Short Line & Utah R.R. bonds, 
Wichita Electric Railway bonds, 



Market value. 



Amount loaned. 



18,000 00? f 20 ooo oo 
14,400 00 S 



6,650 00 



5,000 00 



£239,624 50 $192,800 00 



Schedule B. 
Stocks and Bonds owned by the Company. 

Cost. Market value. 

Massachusetts bonds, $113,750 00 $111,000 00 

Franklin County, O., bonds, .... 22,378 25 22,359 31 

Washington County, 111., bonds, . . . 5,225 00 5,250 00 

Marion County, Ind., bonds, .... 15,206 25 15,150 00 

Columbia County, Wash , bonds, . . . 11,800 00 11,750 00 

Lincoln County, Neb., bonds, .... 4,195 00 4,160 00 

Finney County, Kan., bonds, .... 10,825 00 10,650 00 

Cherokee County, Kan., scrip, .... 5,259 26 5,2." 

Thurston County, Wash., bonds, . . . 10,700 00 10,600 00 

Yellowstone County, Mont , bonds, . . . 5,287 50 5,287 50 

City of St. Paul bonds 10,375 00 10,700 00 

City of Elkhart, Ind., bonds, .... 5,633 37 5,537 50 

City of Decatur, 111., bonds, .... 18,540 00 18,450 00 

City of Yankton, Dak., bonds, .... 8,496 25 8,840 00 

City of Fremont, Neb., bonds, . . . . 11,245 00 11,220 00 

City of Emporia, Kan., bonds, .... 14,700 00 14,700 00 

City of Jeffersonville, Ind , bonds, . . . 10,450 00 10,400 00 

City of Sioux Falls, Dak , bonds, . . . 14,525 00 14,430 00 

City of New Albany, Ind, bonds, . . . 7,800 00 7,642 50 

City of Martinsville, Ind., bonds, . . . 2,010 00 2,000 00 

City of Kansas City, Kan., bonds, . . . 18,235 00 17,935 00 

City of St. Cloud, Minn., bonds, . . . 10,650 00 10,600 00 

City of Arkansas City, Kan., bonds, . . . 3,112 50 3,105 00 

City of Beloit, Wis., bonds, .... 6,33750 6,32000 

City of Nebraska City, Neb., bonds, . . 15,412 50 15,550 00 

City of Evansville, Ind., bonds, . . . 5,000 00 5,000 00 

City of Chattanooga, Tenn., bonds, . . . 10,900 00 11,400 00 

City of Fargo, Dak., bonds, .... 5,487 50 5,550 00 

City of Gladstone, Mich., bonds, . . . 4,590 00 4,590 00 

City of Superior, Wis , bonds, .... 10,200 00 10,200 00 

Town of Spencer, Ind., bonds, .... 5,115 00 5,075 00 

Delaware Township, Kan., bonds, . . . 9,500 00 10,000 00 

Village of Groveport, O., bonds, . . . 4,860 00 4,800 00 

Village of Braceville, 111., bonds, . . . 2,037 50 2,000 00 

Wyandotte Co., Kan., School District bonds, . 5,250 00 5,228 75 

City of Seattle, Wash , bonds, .... 10,287 50 10,300 00 

Minneapolis Gas Light Company bonds,. . 10,500 00 10,400 00 

Saratoga Gas & Electric Light Co. bonds, . 10,350 00 10,200 00 

Central Drainage District, 111., bonds, . . 8,207 50 8,000 00 



1890.] 



INSURANCE COMPANIES. 



13 



The Middlesex Banking Co., Conn., bonds, 
Kansas City Real Est. & Stock Exch'ge bonds, 
New England Mortgage Sec Co bonds, . 
Port Chester Con. Gas & Elec. L't Co. bonds, 
Cedar Rapids & Missouri River R R. bonds, 
Nashua & Rochester Railroad bonds, 
Lowell & Andover Railroad bonds, . 
Old Colony Railroad bonds, 
Burlington & Missouri River Railroad bonds, 
New York & New England Railroad bonds, ' 
Cheshire Railroad bonds, .... 
Saginaw Valley & St. Louis Railroad bonds, 
Chicago, Milwaukee & St. Paul Railroad bonds 
Lowell & Lawrence Railroad bonds', 
Oregon Railway and Nav. Co. bonds, 
Consolidated R.R. Co. of Vermont bonds, 
Quincy, Alton & St. Louis Railroad bonds, 
Leavenworth, Topeka & So. West'n R.R. bonds, 
Cleveland, Columbus, Cin. & Ind. R R bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Wisconsin Central Railroad bonds, . 
Atchison, Colorado & Pacific R.R. bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Strawn & Indiana State Line Railroad bonds 
Memphis & Charleston Railroad bonds, . 
Little Rock & Fort Smith Railroad bonds, 
Carolina Central Railroad bonds, 
James River Valley Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Louis, Cable & Western R.R. bonds, . 
Spokane & Palouse R.R. bonds, 
Helena & Red Mountain Railroad bonds, 
Kansas City, Memphis &Birm , gh , m R.R. bonds, 
Marietta Mineral Railroad bonds, . 
Kan. City, Fort Scott & Memphis R.R. bonds, 
Marquette, Houghton & Ontonagon R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Oregon Railway and Navigation Co. bonds, 
Syracuse Consolidated Street Railway bonds, 
Canton St. R'y & Lake Side St R.R. bonds, 
The Wichita Electric Railway bonds, 
DesMoines Street Railroad bonds, . 
Chicago & Atchison Bridge Railroad bonds, 
Tarkio Valley Railroad bonds, 
57 shares Boston & Maine Railroad, 
200 shares Chicago, Burlington & Quincy R.R., 



Cost. 

$10,000 00 

29,850 00 

10,000 00 

4,462 50 

13,500 00 

23,125 00 

18,300 00 

1,020 00 

11,887 50 

20,862 50 

5,500 00 

19,680 00 

10,612 50 

1,115 00 

10,761 90 

4,180 00 

9,587 50 

2,210 00 

9,750 00 

1,500 00 

8,787 50 

10,275 00 

22,300 00 

12,600 00 

12,050 00 

11,800 00 

10,975 00 

10,400 00 

10,837 50 

20,292 50 

10,400 00 

10,450 00 

9,612 50 

9,500 00 

10,310 00 

9,700 00 

10,200 00 

9,500 00 

110,380 43 

9,650 00 

4,975 00 

10,475 00 

9,500 CO 

10,675 00 

10,200 00 

11,075 00 

6,335 62 

25,080 62 



Market ralue. 

$10,000 00 
30,000 00 
10,000 00 

4,750 00 
15,750 00 
25,187 50 
21,000 00 

1,080 00 
13,425 00 
22,700 00 

5,250 00 
19,200 00 
11,100 00 

1,080 00 
10,800 00 

6,460 00 

9,800 00 

1,950 00 
11,750 00 

1,500 00 

9,500 00 
10,250 00 
22,550 00 
12,420 00 
12,000 00 
10,000 00 
11,000 00 
10,500 00 
10,000 00 
20,000 00 
10,000 00 
10,300 00 

9,500 00 
10,200 00 
10,800 00 
10,000 00 

9,800 00 

10,000 00 

104,650 00 

10,000 00 

5,000 00 
10,475 00 

9,500 00 
10,675 00 
10,200 00 
11,075 00 
11,343 00 
18,025 00 



14 



MASSACHUSETTS LIFE 



[Dec. 31, 



50 shares Union Pacific Railroad, 



50 
55 
25 

100 
50 

100 
35 

100 
22 

100 



Atchison, Topeka & Santa Fe R.R , 
Central Massachusetts Railroad, 
American Loan and Trust Co., 
New England National Bank, 
Tremont National Bank, . 
Continental National Bank, . 
Boylston National Bank, . 
Washington National Bank, . 
State National Bank, 
Boston National Bank of Seattle, 



Cost. 

$4,731 25 
4,212 50 
5,208 25 
2,550 00 

12,031 00 
5,590 '50 

10,150 00 
4,362 50 

13,537 50 
2,531 50 

10,000 00 



Market value. 

12,193 75 
1,475 00 
1,925 00 
3,750 00 

17,000 00 
5,712 60 

12,650 00 
4,690 00 

12,100 00 
2,772 00 

10,000 00 



$1, 175,609 45 $1,178,453 57 



MASSACHUSETTS HOSPITAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 24, 1818. Commenced business 1823.] 

PAiD-ur Capital, $500,000. 

William Minot, President. James C. Braman, Secretary. 

Office, 50 State Street. 



Income. 

Total premium income, $68,507 90 

Cash received for interest, 54,505 55 

Cash received for commissions on trusts, .... 57,427 51 

Total income, $180,440 96 

Disbursements. 

Cash paid for losses $3,000 00 

to annuitants, 73,280 44 

for dividends to stockholders, 50,000 00 

to Massachusetts General Hospital, . . . 10,000 00 

for salaries of officers and office employees, . . 20,733 88 

for taxes and fees, 7,574 22 

for rent 6,000 00 

for incidentals, 1,433 80 

Total disbursements, . . $172,022 34 



1890.] 



INSURANCE COMPANIES. 



15 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, 



Loans on mortgage of real estate (first liens) , 
Loans on collateral security, .... 
Cost value of stocks and bonds owned, . 
Cash deposited in bank, 



Ledger assets, 



$35,535 54 
549,743 30 
470,200 34 
214,510 28 
28,932 78 

$1,298,922 24 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, . . . 

Total assets per company's books, .... 

Liabilities. 

Net present value of all outstanding policies and annuities, 
Due and unpaid on annuity claims, ..... 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 



Gross liabilities, 



16,714 80 
37,944 14 

,353,581 18 



$497,708 00 
5,525 00 

$503,233 00 
850,348 18 

$1,353,581 18 



Exhibit of Policies. 



Policies in force Dec 31, 1889, . 
Terminated by death during 1890, 

Policies in force Dec. 31, 1890, . 
Annuities in force, . 



Number. 

2 
1 



1 

230 



Amount. 

$6,000 00 
3,000 00 

$3,000 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 1851.] 

M. V. B. Edgerly, President. John A. Hall, Secretary. 

Income. 
New premiums without deductions, ...... $497,278 25 



Renewal premiums, 

Premiums paid by dividends and surrender values 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 



1,546,955 51 
170,318 66 



$2,214,552 42 
44,521 02 

$2,170,031 40 



16 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, 

Miscellaneous, 



Total income, 
Net or ledger assets Dec. 31, 1889, 



Total, 



. $488,521 30 
490 83 

19,083 97 

26,540 07 

4,500 00 

>9,167 57 
. 9,618,010 46 

$12,327,178 03 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Xet amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered pol 

icies, and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $15,885.29 ; applied in 

payment of premiums, $166,697.08, .... 
Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising and printing, .... 

for incidentals, 

for expenses on real estate, .... 



Total disbursements, 



Balance, 



$650,794 27 

12,140 73 

98,453 58 

3,240 42 

$764,629 00 
3,830 00 

$760,799 00 
173,343 05 

37,353 61 
7,322 27 

182,582 37 
60,983 32 

81,222,383 62 

313,608 08 

106,653 22 

26,995 85 

75,072 62 

33,747 46 

17,045 00 

5,637' 61 

22,855 59 

21,663 38 

23,852 91 

$1,869,515 34 

£ 10,457,662 69 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 



8475,160 84 
3,974,526 13 



1890.] 



INSURANCE COMPANIES, 



17 



Loans on collateral security (schedule A), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 



$808,075 00 
360,476 00 
566,255 10 

4,038,190 47 

22,505 52 

212,473 63 

$10,457,662 69 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$155,365 26 
268,743 14 

$424,108 40 
84,821 68 



201,174 53 

3,480 00 

26,020 85 

225,014 75 



339,286 72 



$11,252,639 54 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $10,403,297 00 
Deduct net value of re-insured risks, 140,000 00 

Net re-insurance reserve, ». 

Death losses and matured endowments in process 

ment, 

Unpaid dividends of surplus due policy-holders, 
Preiniutus paid in advance, .... 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



of adjust- 



$10,263,297 00 

51,246 85 

49,079 74 

1,145 18 

$10,364,768 77 

887,870 77 

$11,252,639 54 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $547,027 02 

Premium notes received during 1890, . . 143,398 38 

Total, 

Used in payment of losses and claims, . $15,381 15 
Used in payment of surrendered"policies and 

voided by lapse, 37,353 61 



$690,425 40 



18 MASSACHUSETTS LIFE [Dec. 31, 

Used in payment of dividends to policy- 
holders, $62,406 46 

Redeemed by maker in cash, .... 9,029 08 

Total, $124,170 30 



Balance note assets Dec. 31, 1890, $566,255 10 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

dumber. Amount. Total No. Total Amount. 

Whole life, . . . 15,321 143,991,954 00 

Endowment, . . . 4,644 10,674,354 00 

Allother, . . . . 661 1,585,687 00 

Reversionary additions, . - 68,508 00 

20,626 $56,320,503 00 

Policies issued during the Year. 

Whole life, . . . 4,726 $16,176,450 00 
Endowment, ... 479 1,059,900 00 
All other, .... 27 133,000 00 

5,232 17,369,350 00 



* Old Policies revived. 

Whole life, ... 20 $91,789 00 

Endowment, ... 7 28,000 00 



27 119,789 00 



Old Policies increased. 

Whole life, . . . # - $71,041 00 

Endowment, ... - 4,463 00 



,504 00 

Additions by dividends, 24,765 00 

Total, 25,885 $73,909,911 00 

Policies terminated during the Tear. 

Whole life, . . . 2,545 $9,113,032 00 
Endowment, ... 516 1,127,982 00 
All other, .... 118 378,108 00 



3,179 $10,619,122 00 

How terminated. 

By death, . 272 $683,496 00 

maturity, ... 79 106,440 00 

expiry, .... 76 169,300 00 

surrender, ... 660 1,578,368 00 



1890.] 



INSURANCE COMPANIES. 



19 



Number. Amount. Total No. Total Amount. 

By lapse, .... 1,074 $3,715,241 00 
By change and decrease, . - 752,127 00 

Not taken, . . . . 1,018 3,614,150 00 

3,179 $10,619,122 00 



Policies in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



17,500 $51,164,202 00 

4,615 10,636,735 00 

591 1,400,217 00 

89,635 00 



22,706 $63,290,789 00 



Schedule A. 



Securities held as Collateral. 

Market value. 

19 shares Springfield Gas Light Company, . $3,040 00 

1000 " Lack. & Southwestern R.R., . . ? ., 0Q q oq 

254 " Columbus, S. & Hocking R.R., . S 

200 " Winona Paper Company, . . 20,000 00 

New York, Rutland & Montreal R R. bonds, . 20,000 00 

. 17 shares P. C. Cheney Company, . . . 25,500 00 

5 " American Speaking Telephone Co., 750 00 j 

6 " N. Y. and N. J. Tel. Company, . 600 00 ! 
50 " Albany Card and Paper Company, 7,500 00 

120 " First Nat'l Bank, Billings, Mont., . 12,000 00 

Southern Central Railroad bonds, . . . 5,382 00 

Certificate of Guaranty Savings Bank, . . 14,000 00 

Paid-up policy National Life Insurance Co., . 500 00 

Claremont W'ater Works bonds, . . . 18,000 00 

100 shares Albany Card and Paper Company, . 15,000 00 

Claremont Water Works bonds, . . . 19,800 00 

Upper Coos Railroad bonds, .... 62,500 00 

300 shares Fairfield Paper Company, . . 30,000 00 

Des Moines & Kansas City Railroad stock, . 50,000 00 

Woodlawn Cemetery Association bonds, . . 20,000 00 

75 shares Morgan Envelope Company, . . 13,125 00^ 

83 " Hartford Manilla Company, . . 10,375 00 ' 

60 " United Electric Light Company, . 6,000 00 I 

26 " Edison Electric Ilium. Company, . 2,600 00 J 

50 " Boston Herald Company, . . 37,500 00 

Connecticut River Paper Company bonds, . 78,750 00 

140 shares Hampden Paint and Chemical Co., 14,000 00 

Mortgage assigned, 3,990 00 

70 shares United Electric Light Company, . 7,000 00 

50 shares L. L. Brown Paper Company, . . 20,000 00 

Poughkeepsie Bridge Company bonds, . . 54,000 00 

Renfrew Manufacturing Company bonds, . 15,750 00 

Dunn & McCarthy R. E. bonds, . . . 5,000 00 



Loaned thereon. 

$1,900 00 
40,000 00 

20,000 00 
20,000 00 
15,900 00 

1,000 00 

5,000 00 

5,000 00 

2,500 00 

10,000 00 

500 00 

15,000 00 

5,000 00 

15,000 00 

50,000 00 

25,000 00 

40,000 00 

5,000 00 



16,000 00 

25,000 00 
75,000 00 

8,600 00 
925 00 

5,000 00 
10,000 00 
50,000 00 
15,000 00 

5,000 00 



20 



MASSACHUSETTS LTFK 



[Dec. 



31, 



Housatonic Railroad bonds, 

Dunn.& McCarthy R E. bonds, 

Indiana & Lake Michigan Railroad bonds, 

157 shares Springfield F. & M. Insurance Co. 

Dunn & McCarthy R. E. bonds, 

30 shares Springfield F. & M. Ins. Company, 

Certificate People's Saving Bank, . 

100 shares Clarion Pulp and Paper Company 

20 " Springfield F. & M. Insurance Co. 
998 " Agawam Manufacturing Co , . 
312 " United Zylonite Company, 
500 " American Zylonite Company, . 
100 " Wason Manufacturing Company, 

25 " Indian Orchard Company, 
100 " Citizens' Bank, Newton, Kan., 
400 " Chic. June. R R. & Union St'k Y'ds 
Des Moines & Kansas City R.R. bonds, . 
100 shares Collins Manufacturing Company, 
50 shares United Electric Light Company, 
Des Moines & Kansas City Railroad bonds, 
Indiana & Lake Michigan Railroad bonds, 



Market value. 

$28,000 00 

20,000 00 

80,000 00 

35,325 00 

7,000 00 

6,750 00 

3,000 00 

15,000 00 

4,500 00 



15,000 00 
6,000 00 

40,000 00 
42,000 00 



5,250 00 
13,000 00 



Loaned then-on. 

$25,000 00 
16,500 00 

70,000 00 
2:5,000 00 
5,000 00 
5,250 00 
2,000 00 
12,500 00 
4,000 00 



75,000 00 50,000 00 



ia,ooo 00 

5,000 00 

25,000 00 
40,000 00 



15,000 00 12,500 00 



5,000 00 
10,000 00 



$1,048,487 00 $808,075 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

Massachusetts State bonds, .... $100,000 00 • $110,000 00 

Burlington & Missouri Railroad bonds, . . 89,168 75 90,000 00 

Chicago, Burlington & Quincy Railroad bonds, 94,300 00 94,000 00 

Chicago, Burlington & Northern R R. bonds, . 144,300 00 .154,500 00 

Mahoning Coal Railroad bonds, . . . 45,097 24 55,000 00 

Southern Central Railroad bonds, . . . 53,490 00 53,406 00 

Lebanon Springs Railroad bonds, . . . 38,002 01 30,402 00 

Oregon Short Line Railroad bonds, . . . 21,915 00 25,500 00 

Iowa Central Railroad bonds, .... 76,740 00 48,784 00 

St. Louis & Hannibal Railroad bonds, . . 4,000 00 4,000 00 

Northern Pacific Railroad bouds, . . . 39,000 00 39,000 00 

Helena & Red Mountain Railroad bonds, . 40,000 00 40,000 00 

Cedar Rap, Iowa Falls & W. \Y. R R. bonds, . 50,000 00 50,937 80 

Marquette, Houghton & Ont. Railroad bonds, . 50,000 00 52,500 00 

American Dock and Improvement Co. bonds, . 45,562 50 54,000 00 

Canada Southern Railway bonds, . . . 22,125 00 23,750 00 

Wabash Railway bonds, 88,315 68 98,000 00 

Verdigris Valley, Ind & Western R.R. bonds, 50,000 00 50,000 00 

St. Louis, Iron Mountain & So Railroad bonds, 24,082 50 23,000 00 

Boston, Hoosac Tunnel & Western R.R. bonds, 22,875 00 24,000 00 



1890.] 



INSURANCE COMPANIES. 



21 



Louisville & Nashville Railroad bonds, . 
East Tennessee, Virginia & Georgia R R bonds 
Long Dock mortgage bonds, . 
Kansas City, Memphis & Birm. Railroad bonds 
Grand Rapids, Lansing & Detroit R.R. bonds, 
St. Louis, Council Bluffs & Omaha R.R. bonds 
Des Moines & Kansas City Railway bonds, 
Nashville, Chatt. & St. Louis Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R bonds 
Midland Railroad of New Jersey bonds, . 
Maine Central Railroad bonds, 
Peoria & Eastern Railroad bonds, . 
Pittsburg, Painsville & Fairport R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Texas & Pacific Railroad bonds, 
St Louis, Arkansas & Texas Railway bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Chicago Junct Ry. & Union St'k Yards bonds 
20 shares Pynchon Nat. Bank, Springfield, 
34 " First Nat. Bank, Northampton, 
65 " Franklin Co. Nat Bank, Greenfield. 

400 " Globe National Bank, Boston, . 

246 " Chelsea National Bank, Chelsea, 
50 " Globe National Bank, Chicago, 

Leavenworth County, Kan., bonds, . 

Chautauqua County, Kan , bonds, 

Cowley County, Kan., bonds, . 

Saline County, Kan., bonds, 

Clay County, Kan., bonds, 

White County, Til., bonds, 

Cass County, 111 , bonds, .... 

Perry County, 111, bonds, . 

Saline County, 111., bonds, 

Town of Douglass, 111 , bonds, . 

Town of Kevvanee, Henry County, 111 , bonds, 

Town of Oswego, Kan , bonds, 

City of Burlingame, Kan , bonds, 

City of Topeka, Kan., bonds, . 

City of Kansas, Kan., bonds, 

City of Morehead, Minn., bonds, 

City of Paris, Texas, bonds, 

City of Clinton, Iowa, bonds, . 

Lancaster County, Neb , bonds, 

Henry County, Ohio, bonds, 

Marshalltown, Iow r a, funding bonds, 

Pleasant Corner, Polk County, Iowa, bonds, 

Freeman M't'g Co., North Adams, bonds, 

Wallingford Gas Light Co. bonds, . 



Co9t value. 

$104,187 50 
49,062 50 
100,000 00 
23,750 00 
100,000 00 
50,000 00 
25,000 00 
50,000 00 

42.874 75 
25,000 00 

49.875 00 
84,769 72 
47,500 00 
24,000 00 
45,300 00 
41,220 00 

5,000 00 
102,750 00 

1,975 00 

3,455 50 

6,305 00 
39,900 00 
31,980 00 

5,000 00 
35,546 32 
37,620 00 
50,000 00 
58,000 00 
48,000 00 
100,000 00 

7,100 00 
12,000 00 
30,000 00 
32,000 00 
26,000 00 
28,500 00 

4,000 00 
30,000 00 

5,900 00 
10,000 00 
50,000 00 
20,000 00 
69,970 00 
30,000 00 
29,000 00 
10,000 00 
30,000 00 
19,500 00 



Market value. 

HI 4,575 00 
51,000 00 
116,000 00 
24,750 00 
100,000 00 
52,500 00 
25,000 00 
55,000 00 
41,500 00 
28,500 00 
50,000 00 
86,250 00 
47,500 00 
24,720 00 
42,500 00 
39,500 00 

5,000 00 
98,800 00 

3,200 00 

4,420 00 

6,500 00 
40,000 00 
30,750 00 

5,000 00 
36,146 32 
38,000 00 
50,000 00 
58,000 00 
50,000 00 
105,000 00 

9,000 00 
12,000 00 
30,000 00 
32,000 00 
26,000 00 
30,000 00 

4,000 00 
31,500 00 

5,900 00 
10,500 00 
50,000 00 
20,000 00 
70,000 00 
30,000 00 
29,000 00 
10,000 00 
30,000 00 
20,000 00 



22 



MASSACHUSETTS LIFE 



[Dec. 31, 



Council Bluffs City Water Works bonds, 
City of Fairfield Water Works bonds, .' 
Hornellsville Water Co. bonds, 
Nation al Water Works Co. bonds, . 
Omaha City Water Works Co. bonds, 
Leaven'th City & Ft. Leaven'th Water Co. bonds, 
Knoxville Water Co. bonds, 
Marseilles Water Power Co. bonds, . 
Chippewa Falls Water Works Co. bonds, 
Crookston Water Works Power & Lt. Co. bonds 
Leadville Water Co. bonds, 
Leadville Water Power & Mining Co. bonds, 
Thompsonyille Water Co. bonds, 

500 shares Boston & Albany Railroad, . 

500 rights Boston & Albany Railroad, . 

489 shares Connecticut River Railroad, . 



234 

500 

COO 

1100 

300 

500 

40 

20 

327 

485 

200 

280 

1250 

3750 



N. Y , New Haven & Hartford R R , 
Chicago, Burlington & Quincy R.R , 
Albany & Susquehanna Railroad, . 
Lake Shore & Mich. Southern R R., 
Chicago & Northwestern R.R., 
Detroit, Hillsdale & S West. R R , 
St. Louis & Hannibal R.R., . 
Oregon Short Line Railroad, 
Central Iowa Railroad, . 
Union Paper Manufacturing Co , 
Mt. Pleasant Water Co., 
Silverton Water Supply Co , 
North Poudre Land and Canal Co., 
Rio Grande Land and Canal Co., . 



Cost value. 

$30,000 00 
17,575 00 
24,375 00 
97,500 00 
75,000 00 
50,000 00 
34,500 00 
5,000 00 
34,868 15 
45,000 00 
28,875 00 
26,000 00 
25,000 00 
62,521 86 

89,102 50 
45,710 50 
65,504 33 
76,362 50 
121,712 50 
32,975 00 
37,300 00 



18,000 00 

16,530 54 

26,814 95 

12,522 55 

8,395 12 



Market value. 

$80,000 00 
19,000 00 

26,250 00 

105,000 00 

82,500 00 

55,000 00 

35,000 00 

10 00 

38,850 00 

49,500 00 

33,000 00 

26,000 00 

25,000 00 

97,000 00 

9,375 00 

106,602 00 

58,500 00 

44. Vt 

99.00.. 

116,737 50 

31,462 50 

45,000 00 

4,000 00 

400 00 

6,549 GO 

19,400 00 

10,000 00 

33,600 00 

12,500 00 

37,500 00 



$4,038,190 47 f4,2G3,205 22 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTOX. 



[Incorporated April 1, ]835. Commenced business Dec. 1, 1843.] 

Benjamin F. Stevens, President. S. F. Trcll, Secretary. 

Principal Office, Post Office Square. 

Income. 

New premiums without deductions, $393,323 48 

Renewal premiums, 2,408,514 98 

Total premium income, £2,801,838 46 

Cash received for interest, 919,744 88 



1890.] 



INSURANCE COMPANIES. 



23 



Cash received for rents of company's property, 
Profit and loss account, 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 



Total, 



$93,036 02 
19,362 90 

. $3,833,982 26 
. 19,082,849 16 

$22,916,831 42 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, ..... 
Cash distributions paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of distributions, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising, ...... 

o 7 

for incidentals, 

for accrued interest on securities purchased, . 



$1,344,330 08 

28,993 15 

251,617 67 

5,599 33 



$1,630,540 23 
251,130 92 

42,241 35 

568,595 64 
19,780 85 

$2,512,288 99 

229,553 98 

16,613 00 

102,215 35 

48,541 41 

17,399 22 

148,307 72 

4,733 50 



Total disbursements, $3,079,653 17 



Balance, 



$19,837,178 25 



Invested in the following : — 

Assets as per Ledger Accounts 
Cost value o'f real estate, ..... 
Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Quarterly and semi-annual premium notes, . 



$1,710,325 21 

3,050,545 00 

1,912,550 00 

5,400 00 

610,935 19 

11,944,433 61 

275,665 80 

327,323 44 



Ledger assets (as per balance), 



$19,837,178 25 



24 MASSACHUSETTS LIFE [Dec. 31, 

Other Assets. 

Interest due and accrued, $213,92. 

Rents due and accrued," 13,589 16 

Market value of stocks and bonds, over cost, .... 846,782 89 

Uncollected premiums on policies in force, . $212,420 71 

Deduct loading (20 per cent), . . . 42,484 14 

Net am't of uncollected and deferred prem's, . 169,936 57 



Total assets per company's books, .... $21,081,412 23 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . . . $18,716,69100 
Death losses due and unpaid, .... $176,453 00 
Matured endowments due and unpaid, . . 21,074 00 

Total policy claims, 197,527 00 

Unpaid distributions of surplus due policy-holders, . . 87,987 54 

Liabilities as to policy-holders, $19,002,205 54 

Surplus as regards policy-holders, 2,079,206 69 

Gross liabilities, $21,081,412 23 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $617,492 94 

Premium notes received during 1890, . . 631,256 29 

Total, $1,251,749 23 

Used in payment of losses and claims, . . $34,592 48 

Used in payment of surrendered policies and 

voided by lapse, 42,241 35 

Used in paj^ment of dividends to policy- 
holders, 19,780 85 

Redeemed by maker in cash, .... 544,199 36 

Total, 640,814 04 

Balance note assets Dec. 31, 1890, «$610,935 19 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 10,364 $30,936,157 00 
Endowment, . . . 15,825 45,492,170 00 
All other, .... 907 2,526,576 00 

27,096 $78,954,903 00 



1890.] 



INSURANCE COMPANIES. 



25 



Whole life, 
Endowment, 
All other, 


Policies issued 

Number. 

• • 

. 3,709 
1 


during the Year. 

Amount. Total No. 

$14,278 00 

11,597,632 00 

5,019 00 

3,710 


Total Amount. 

$11,616,929 00 



Whole life, . 
Endowment, 



Old Policies revived. 

18 $66,000 00 

25 53,086 00 



43 



119,086 00 



Whole life, 
Endowment, 



Old Policies increased. 

$5,094 00 
1 51,851 00 



56,945 00 



Total, 30,850 $90,747,863 00 



Whole life, 



Policies terminated during the Year. 
422 $1,389,430 00 



Endowment, 


. 1,654 


4,936,476 00 


All other, . 


155 


397,148 00 




2,231 


16,723,054 00 




How terminated. 


By death, . 


449 


$1,460,057 00 


maturity, 


111 


241,447 00 


expiry, . 


150 


383,070 00 


surrender, 


618 


1,350,160 00 


lapse, . 


500 


1,190,030 00 


change and decrea 


se, . 3 


802,290 00 


Not taken, . 


400 


1,296,000 00 



2,231 6,723,054 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1890. 

. 9,960 $29,632,099 00 

. 17,906 52,258,263 00 

753 2,134,447 00 



28,619 $84,024,809 00 



26 



MASSACHUSETTS LIFE 



[Dec. 31, 



Schedule A. 
Securities held as Collateral. 

Market value. 

12 shares Freeman's National Bank, Boston, . $1,284 00 

Huntington Avenue Lands certificates, . . 48,000 00 

4 shares Freeman's National Bank, Boston, . 428 00 

25 " Chicago, Burlington & Quincy R.R , 2,250 00 

80 " Atchison, Topeka & Santa Fe R.R., . 2,300 00 

Policy of life insurance, 3,158 53 

150 shares Grand Avenue R'y, Kansas City, . 12,750 00 

39 " Metropolitan St. R'y, Kansas City, . 3,510 00 

55 " Boston & Albany Railroad, . . 10,670 00 

Eastern Railroad bonds, 3,690 00 

Mortgage note assigned, 5,500 00 

New York & New England R.R. bonds, . . 61,000 00 

Burlington & Missouri River R R. bonds, . 16,600 00 

Ogdensburg & Lake Champlain R R bonds, . 14,280 00 

250 shares Rensselaer & Saratoga Railroad, . 43,750 00 

90 shares Third National Bank, Boston, . 10,800 00 

Huntington Avenue Lands certificates, . . 6,000 00 

Oregon Improvement Company bonds, . . 8,700 00 

Rio Grande Western Railway bonds, . . 10,912 50 

100 shares Flint & Pere Marquette R.R , . . 8,300 00 

600 shares Missouri Pacific Railway, . . 35,700 00 

American Bell Telephone Company bonds, . 2,230 00 

Chicago, Burlington & Northern R.R. bonds, . 2,020 00 

50 shares American Bell Telephone Company, 10,500 00 

Chicago & E. Illinois R.R. bonds, . . 1,110 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 2,042 50 

33 shares Atchison, Topeka & Santa Fe R R , . 948 75 

Atchison, Topeka & Santa Fe R.R. bonds, . 2,042 50 

350 shares Metropolitan St. R'y, Kansas City, . 31,500 00 

Huntington Avenue Lands certificates, . . 36,000 00 

150 shares Grand Avenue R'y, Kansas City, . 12,750 00 

Huntington Avenue Lands certificates, . . 15,000 00 

500 shares American VValtham Watch Co., . 84,000 00 

800 shares Oregon Railway & Navigation Co., 64,000 00 

Atchison, Topeka & Santa Fe R R bonds, . 10,920 00 

10 shares Mercantile Loan and Trust Co , . 1,000 00 

145 " Fitchburg Gas Company, . . 17,400 00 

2000 " West End Street Railway Co., . 168,000 00 

Connecticut & Passumpsic Rivers R.R bonds, . 3,605 00 

200 shares Fitchburg Railroad Co , . . . 17,250 00 

100 shares Calumet & Hecla Mining Co., . 24,900 00 

Atchison Railroad Co. bonds, .... 20,000 00 

Bay State Gas Co. bonds, 1,600 00 

165 shares Atchison, Topeka & Santa Fe R.R., 128,700 00 

1250 shares Oregon Railway & Navigation Co , 100,000 00 

Union Pacific, Denver & Gulf Railway bonds, 12,920 00 

Oregon Short Line & Utah Northern R.R. bonds, 14,220 00 



Amount loaned. 

$1,000 00 
17,500 00 

300 00 
1,800 00 

4,000 00 

15,000 00 

8,000 00 
3,000 00 
1,000 00 



} 125,000 00 



5,000 00 
3,000 00 

15,000 00 

25,000 00 

7,000 00 

2,250 00 

3,200 00 

20,000 00 
24,500 00 
10,000 00 
10,000 00 
50,000 00 
50,000 00 

10,000 00 

6,000 00 
100,000 00 

3,000 00 
15,000 00 
15,000 00 

19,000 00 
100,000 00 

100,000 00 



1890.] 



INSURANCE COMPANIES. 



27 



Chicago, Burlington & Quincy Railroad bonds 
Denver Union Stock Yard Company bonds, 
600 shares Lake Shore & Mich. So. Railwaj', 
550 " Metropolitan St. Ry. Co., Kan. City 
530 " Chicago & E. Illinois Railroad, 
600 " Lake Shore & Michigan So. Ry , 
661 " Boston & Maine Railroad, 

26 " Pullman Palace Car Company, 
500 " Kansas City Stock Yards Company 
300 " Old Colony Trust Company . 
600 " Chicago & Northwestern Railway, 
Fort Worth & Denver City Railroad bonds, 
Oregon Short Line & Utah No Railroad bonds 
100 shares Fitchburg Railroad Company, 
Rio Grande Western Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 

21 shares American Bell Telephone Co , 
300 " Chic, Burlington & Quincy R.R., 
200 " Chicago & Northwestern Railway, 

50 " Atlantic Cotton Mills, 
Chicago, Burlington & Quincy R.R bonds, 
Oregon Short Line Railway bonds, . 
Kansas City, Ft. Scott & Gulf Railroad bonds, 
Sioux City & Pacific Railroad bonds, 

60 shares Amoskeao; Manufacturing Co , 

20 " Lawrence Manufacturing Co , 
300 " Norwich & Worcester Railroad, 
862 " Union Stock Yards Co , Omaha, 
200 " Union Stock Yard B'k, So. Omaha 

40 " First National Bank of Omaha, 
Concord & Montreal Railroad bonds, 
Atchison Railroad bonds, .... 
50 shares N. E. Safe Dep't & Tr'st Co of Mo. 
2000 shares West End Street Railway Co., 



Market value. 

$51,000 00 ) 

5,000 00 S 

65,700 00 

49,500 00 

43,990 00 

65,700 00 

131,539 00 

4,758 00 

62,500 00 

48,000 00 

62,100 00 ) 

62,685 00 b 

118,500 00 

8,625 00) 

727 50 ' 

6,405 00 

4,410 00 j 

27,000 00) 

20,700 00 

4,975 00 

11,220 00 j 

12,000 00 > 

14,220 00 | 

11,100 00 ; 

120,300 00 ) 

29,200 00 S 

53,400 00 

90,510 00> 

40,000 00 < 

12,000 oo ; 

55,550 00 

125,000 00 

5,000 00 

166,000 00 



Amount loaned. 

$50,000 00 

50,000 00 

36,000 00 

37,500 00 

50,000 00 

100,000 00 

3,000 00 

50,000 00 

30,000 00 

100,000 00 
100,000 00 

j> 15,000 00 



}> 50,000 00 



30,000 00 

100,000 00 
40,000 00 

50,000 00 

50,000 00 

100,000 00 

1,500 00 

100,000 00 



$2,683,556 28 $1,912,550 00 



Schedule B. 
Stocks and Bonds owned by the Company. 



72 shares Atlantic National Bank, 

100 " Bay State National Bank, 

333 " Boston National Bank, . 

100 " Continental National Bank, . 

50 " First National Bank of Cambridge 

52 " Massachusetts National Bank, 

91 " Merchants' National Bank, . 

107 " National City Bank of Lynn, 



Cost. 

$7,101 00 
7,500 00 

33,300 00 

10,000 00 
5,000 00 
5,200 00 
9,100 00 

10,700 00 



Market value. 

$10,008 00 
13,500 00 
39,960 00 
12,700 00 
9,825 00 
5,681 00 
13,422 50 
20,865 00 



28 



MASSACHUSETTS LIFE 



[Dec. 31, 



150 shares National Revere Bank, . 
150 " National Hide and Leather Bank, 
240 " National Eagle Bank, . 
320 " Tremont National Bank, 
200 " National Webster Bank, 
625 " Boston Safe Deposit and Trust Co. 
120 " State National Bank, . 
700 " Third National Bank, . 
500 " Globe National Bank, . 
400 " Nicollet NatH B'k of Minneapolis 
200 " American Loan and Trust Co , 
250 " Boston National Bank of Seattle, 
400 " N. E. Safe Dep. & Trust Co. of Mo 
243 " N. E Safe Deposit and Trust Co 
250 " Mercantile Loan and Trust Co., 
150 " Winthrop National Bank, 
850 " Boston & Albany Railroad, . 
300 " Boston & Providence Railroad, 
1278 " Chicago, Burlington & Quincy R R 
800 " Conn. & Passumpsic Rivers R.R 
450 " Fitchburg Railroad, . ! 
180 " N. Y., New Haven & Hartford R R 
850 " Norwich & Worcester Railroad, 
100 " Northern Railroad, 
200 " Connecticut River Railroad, . 
266 " Chicago & Alton Railroad, . 
105 " Eastern Railroad, . 
200 " Portland, Saco & Portsmouth R.R 
575 " Atchison, Topeka & Santa Fe R R 
200 " Boston & Lowell Railroad, . 
1120 " Metropolitan St. R;v Co., Kan. City 
500 " West End Street Railway Co , 
5 " Dwig-ht Manufacturing: Co , . 
5 " Massachusetts Cotton Mills, . 
120 " Massachusetts Title Insurance Co. 
981 " Land Title Guarantee Co , Kan. City, 
Boston Gas Syndicate stock, 
1000 shares Boston Northwest Real Estate Co 
250 shares Huntington Storage Warehouse Co 
Eastern Railroad bonds, .... 
Phila., Wilmington & Baltimore R.R. bonds, 
Boston, Concord & Montreal R.R. bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Worcester & Nashua Railroad bonds, 
New Haven & Derby Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Fremont, Elkhorn & Mo. Valley R.R. bonds, 
Maine Central Railroad bonds,. 



Cost. 

$15,000 00 
15,000 00 
24,000 00 
31,951 25 
20,000 
62,500 00 
10,273 10 
70,000 00 
50,000 00 
40,000 00 
20,000 00 
25,000 00 
38,149 77 
24,300 00 
25,000 00 
15,000 00 
85,000 00 
29,950 00 
127,732 77 
80,000 00 
42,573 50 
18,000 00 
84,925 25 
10,000 00 
20,000 00 
26,600 00 
3,150 00 
20,000 00 
51,712 50 
20,000 00 
109,500 00 
25,000 00 
5,000 00 
5,000 00 
12,000 00 
45,832 40 
50,000 00 
70,000 00 
16,250 00 
275,000 00 
193,871 67 
500,000 00 
102,000 00 
75,000 00 
14,250 00 
97,050 00 
50,000 00 
48,850 00 



Market value. 

00 

19,500 00 

25,080 00 

36,480 00 

20,100 00 

100,000 00 

15,120 00 

84,000 00 

5<),125 00 

40,000 00 

29,000 00 

25,000 00 

40,000 00 

24,300 00 

25,000 00 

16,950 00 

164,900 00 

75,000 00 

115,020 00 

91,400 00 

38,812 

45,540 

151,300 00 

13,550 00 

43,650 00 

34,048 00 

11,208 75 

25,600 00 

16,531 25 

35,300 00 

100,800 00 

42,375 00 

3,875 00 

5,175 00 

12,000 00 

49,050 00 

50,000 00 

70,000 00 

16,250 00 

338,250 00 

207,480 00 

520,000 00 

122,655 00 

77,250 00 

17,700 00 

95,000 00 

59,500 00 

52,500 00 



1890.] 



INSURANCE COMPANIES. 



29 



Ottumwa, Cedar Falls & St. Paul R.R. bonds, 
Dayton & Michigan Railroad bonds, 
Delaware & Chesapeake Railroad bonds, 
Pittsburg, Cleveland & Toledo Railroad bonds 
Michigan Central Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Mo. Valley & Blair R R.and Bridge Co bonds 
Northern Illinois Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Kansas City, Clinton & Springfield R.R. bonds 
Union Pacific Railroad bonds, . 
Burlington & Mo. River (in Neb.) R R bonds 
St Joseph & Grand Island Railroad bonds, 
Corrigan Consolidated Street Railway bonds, 
St Louis Cable & Western Railway bonds, 
Spokane & Palouse Railway bonds, . 
Chicago, Burlington & Northern R.R. bonds, 
Helena & Red Mountain Railroad bonds, 
Kansas City Cable Railway bonds, . 
Dakota & Great Southern Railroad bonds, 
Des Moines & Ft. Dodge Railroad bonds, 
Maine Central Railroad bonds, 
Housatonic Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Fitchburg Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Somerset Railroad bonds, .... 
Grand Rapids, Lansing & Detroit R.R. bonds, 
Grand Avenue Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Louisville, Evansville & St. Louis R R. bonds 
Evansville, Terre Haute & Chic. R.R. bonds, 
Boston & Providence Railroad bonds, 
Boston & Maine Railroad bonds, 
Denver City Cable Railway bonds, . 
Metropolitan Street Railway bonds, 
Pennsylvania Railroad bonds, . 
Strawn & Indiana State Line R.R. bonds, 
Michigan Central Railroad bonds, . 
Kansas Equipment Company bonds, 
Portland Union Railway Station Co. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Omaha Street Railway bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 

Albany city bonds, 

Boston city bonds 

Chicago city bonds, 



Cost. 

f50,000 00 
50,000 00 

108,531 25 
50,000 00 

100,000 00 
98,912 50 
25,000 00 

100,000 00 
50,000 00 
50,000 00 

100,000 00 

190,781 25 
50,000 00 

100,000 00 
50,000 00 
25,000 00 

100,000 00 
50,000 00 
99,500 00 

100,000 00 
24,500 00 

180,862 50 

100,000 00 
47,500 00 

100,000 00 
50,000 00 
50,000 00 
97,500 00 
29,250 00 
95,500 00 
50,000 00 

100,000 00 
10,000 00 

100,000 00 

150,000 00 

100,000 00 

192,000 00 

150,000 00 
50,000 00 
98,500 00 
25,000 00 
50,000 00 

548,083 62 
98,500 00 
12,000 00 
23,256 00 
1,058,136 12 
70,350 00 



Market value. 

$52,000 00 
52,500 00 
99,000 00 
53,500 00 

116,000 00 

105,000 00 
25,500 00 

105,000 00 
52,150 00 
50,000 00 
92,000 00 

166,000 00 
49,000 00 

100,000 00 
50,000 00 
25,000 00 

101,000 00 
50,500 00 
95,000 00 

100,000 00 
19,500 00 

174,600 00 

±04,000 00 
47,500 00 
98,000 00 
53,000 00 
52,500 00 

100,000 00 
28,500 00 
96,500 00 
51,000 00 

108,000 00 
10,500 00 

103,000 00 

156,750 00 
98,000 00 

193,000 00 

156,000 00 
53,500 00 

102,000 00 
24,375 00 
46,750 00 

463,067 50 
97,000 00 
12,240 00 
26,070 00 
1,127,562 00 
78,000 00 



30 



MASSACHUSETTS LIFE 



[Dec. 31, 



New Hampshire State bonds, 

Chelsea city bonds, . 

Lawrence city bonds, 

Lynn city bonds, 

Massachusetts State bonds, 

Rhode Island State bonds, 

Cincinnati city bonds, 

Worcester city bonds, 

Brook line city bonds, 

Fitchburg city bonds, 

Springfield city bonds, 

Providence city bonds, 

Norwich city bonds, . 

Fall River city bonds, 

Holyoke city bonds, . 

Newton city bonds, . 

New York city bonds, 

New Bedford city bonds, 

Salem city bonds, 

Taunton city bonds, . 

Lewiston city bonds, . 

Pawtucket city bonds, 

Kansas City School District bonds, 

Lawrence, Kan., city bonds, 

Lincoln, Neb , city bonds, . 

Indianapolis city bonds, . 

Minneapolis city bonds, . 

St. Paul city bonds, . 

Sheboygan, Wis , city bonds, 

Helena city bonds, . 

Kansas city bonds, \. 

United States bonds, . 

Chamber of Commerce, Minneapolis, bonds, 

St. Paul Chamber of Commerce bonds, 

Minneapolis Gas Light Company bonds, 

Jarvis-Conklin Mortgage Trust Co. bonds, 

Town of Eden, Me , notes, 

St. Louis Cable & Western Railway notes, 

West End Street Railway notes, 

Jamaica Plain Gas Light Company notes, 

Nicollet National Bank, Minneapolis, notes, 

Boston Northwest Real Estate Co notes, 



Cost. 

§20,000 00 

206,504 17 

136,210 83 

226,000 00 

98,172 35 

50,000 00 

85,000 00 

85,000 00 

225,000 00 

125,485 17 

126,000 00 

146,403 06 

94,000 00 

203,000 00 

5,000 00 

70,000 00 

100,000 00 

10,000 00 

10,000 00 

39,000 00 

100,000 00 

150,000 00 

50,000 00 

50,000 00 

49,583 33 

100,000 00 

185,000 00 

100,000 00 

100,000 00 

50,000 00 

99,808 25 

140,000 00 

97,500 00 

48,750 00 

50,000 00 

99,000 00 

101,000 00 

20,000 00 

100,000 00 

20,000 00 

50,000 00 

20,000 00 



Market value. 

,062 50 

223,660 00 

147,707 50 

244,065 00 

108,920 00 

53,000 00 

104,550 00 

93,925 00 

231,750 00 

146,205 00 

165,060 00 

172,700 00 

117,660 00 

221,690 00 

5,650 00 

84,800 00 

113,750 00 

11,000 00 

11,200 00 

42,510 00 

111,750 00 

160,500 00 

50,000 00 

50,000 00 

50,000 00 

100,000 00 

185,000 00 

103,500 00 

100,000 00 

50,000 00 

100,000 00 

169,400 00 

100,000 00 

50,000 00 

51,000 00 

100,000 00 

101,000 00 

20,000 00 

100,000 00 

20,000 00 

50,000 00 

20,000 00 



$11,944,433 61 $12,791,216 50 



1890.] 



INSURANCE COMPANIES. 



31 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March, 1844. Commenced business June, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 



Income. 

New premiums without deductions, 
Renewal premiums, ..... 
Premiums paid by dividends, . 

Total, 

Deduct amount paid for re-insurance, 



Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 



$444,674 49 
762,123 11 
181,333 37 

$1,388,130 97 
2,410 05 

$1,385,720 92 

267,240 49 

19,646 62 

$1,672,608 03 
5,400,629 30 



Total, $7,073,237 33 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders applied in payment of 

premiums, 



Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising and incidentals, 

for profit and loss, 



Total disbursements, 
Balance, 



$270,317 11 
53,661 75 

$323,978 86 
102,078 46 

11,444 90 

181,333 37 

$618,835 59 
178,078 47 

50.869 81 

14.870 00 
25,400 00 
18,402 12 

3,000 00 

21,790 16 

3,057 50 

$934,303 65 

6,138,933 68 



32 



MASSACHUSETTS LIFE 



[Dec. 31, 



Invested in the following: — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

% 
Ledger assets (as per balance), 



8390,000 00 
1,117,959 00 
478,100 

359,334 00 

146,381 14 

3,560,901 52 

1,921 89 

83,336 13 

16,138,933 08 



Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 

Total assets per company's books, . 



59,895 00 

2,105 00 

195,038 48 

$6,396,572 16 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . . $ 5,527,826 00 



Deduct net value of re-insured risks, 

Xet re-insurance reserve, .... 
Death losses and matured endowments in process 
ment, 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



of adjust- 



7,571 00 



$5,520,255 00 

6,430 00 

$5,526,085 00 

869,887 10 



Gross liabilities, ?6,396,572 10 



Premium Note Account. 



Premium notes on hand Dec. 31, 1889, 
Premium notes received during 1890, 

Total, 

Used in payment of surrendered policies and 

voided by lapse, 

Redeemed by maker in cash, .... 

Total, 



$124,809 38 
289,523 01 



811,444 90 
256,566 35 



$414,392 39 



268,011 25 



Balance note assets Dec. 31, 1890, 



$146,381 14 



1890.] 



INSURANCE COMPANIES. 



33 



Exbibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,602 $9,173,893 00 
Endowment, . . . 7,405 21,066,132 00 
Reversionary additions, . - 236,405 00 





Policies issued during the Year 


J. X,V J t 


¥ cw,-r. yj,nw vw 


Whole life, 


. . 


103 


$461,502 00 






Endowment, 


• 


2,271 


6,831,500 00 


2,374 
3 


7,293,002 00 
11,931 00 


Policies revived, 


. 


. 


. . 


Endowment policies increased, 


. . . 


- 


4,211 00 


Additions by divi 


dends, . 




... 


- 


56,647 00 


Total, 


13,384 


$37,842,251 00 




Policies terminated during the Year. 




Whole life, 


, , 


180 


$494,174 00 






Endowment, 


. , 


824 


2,316,390 00 






All other, . 




- 


13,736 00 








1,004 


$2,824,300 00 








How terminated. 






By death, . 


. . 


119 


$267,317 00 






maturity, 


. 


38 


53,662 00 






expiry, . 


. 


20 


42,000 00 






surrender, 


. 


369 


888,320 00 






lapse, . 


. 


244 


582,500 00 






change and decrease, . 


- 


274,501 00 






Not taken, . 


• 


214 


716,000 00 


1,004 


2,824,300 00 










Policies infora 


; Dec. 31, 1890 


, 




Whole life, 


. . 


3,526 


$9,141,221 00 






Endowment, 


. 


8,854 


25,596,668 00 






Reversionary additions, . 


- 


280,062 00 














12,380 


$35,017',951 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

Chicago Water Loan,' $3,600 00 

50 shares Norwich & Worcester Railroad, . 8,750 00 

12 " Boston & Albany Railroad, . . 2,310 00 

30 " Fitchburg Railroad, .... 2,550 00 



Amount loaned. 

$3,000 00 
6,000 00 

1,800 00 



34 



MASSACHUSETTS LIFE 



[Dec. 31, 



Massachusetts Southern Cons. Railroad bonds 
40 shares United Electric Light Co., Mass., 
Iowa Central Railroad bonds, . 
Demand note, .*.... 
Worcester, Nashua & Rochester R R. bonds, 
20 shares Central & Hudson River Railroad, 
700 shares Worcester Consolidated Street Ry. 
Count}- Luzerne, Pa., bond, 
200 shares West End Railway Company, 
250 " Chicago, Burlington & Quincy R R 

50 " Chicago & Northwestern Railroad 

50 " Grafton National Bank, . 
200 " Whitman & Barnes Mfg. Co , Ak., O 
300 " Osceola Mining Company, 
Chesapeake & Ohio Railway bond, . 
23 shares Worcester Electric Light Co , 

100 " Central Pacific Railroad, 
22 " Chicago, Rock Island & Pac. R R. 
1000 " West End Street Railway, . 
Oregon Short Line Railroad bonds, . 

321 shares Boston & Maine Railroad, 
35 " Mechanics' National Bank, Wor , 
1000 " Atchison, Topeka & Santa Fe R.R 
3000 " Mexican Central Railroad, . 
60 " Providence & Worcester R R , 
45 " Worcester Consol. Street Railway 
30 " Bostou & Lowell Railroad, . 
Chicago, Burlington & Quincy R R. bonds, 
Worcester, Nashua & Rochester R R. bonds, 
Worcester, Nashua & Rochester R.R. bouds, 
Oregon Short Line Railroad bond, . 
Fremont & Elkhorn Railroad bond, . 
G shares Boston & Albany Railroad, . 



Market value. 

$20,000 00 

4,000 00 

4,000 00 

18,000 00 

5,000 00 

2,040 00 

105,000 00 

1,000 00 

17,000 00 

22,500 00 

5,200 00 

6,250 00 

28,000 00 

10,500 00 

1,120 00 

3,220 00 

3,000 00 

1,496 00 

85,000 00 

86,860 00 

62,200 00 

4,025 00 

30,000 00 

66,000 00 

15,120 00 

6,750 00 

5,100 00 

1,800 00 

25,000 00 

11,000 00 

1,050 00 

1,150 00 

1,170 00 



} 



Amount loaned. 

827,000 00 

5,000 00 
1,400 00 

70,000 00 
950 00 

10,000 00 

20,000 00 

4,250 00 
20,000 00 

10,000 00 

3,500 00 

50,000 00 

75,000 00 

50,000 00 

3,200 00 

50,000 00 
15,000 00 

11,000 00 

25,000 00 

10,000 00 

1,000 00 



£076,791 00 £473,100 00 



Schedule B. 
Stocks and Bonds owned by the 

100 shares Chicago & Northwestern R.R., 

400 ' 

300 

500 

300 

110 

270 

200 



Morris & Essex R.R., 

Chicago, Rock IsTnd & Pacific R.R. 

Boston & Albany R.R , . 

Old Colony R.R., . 

Chicago, Burlington & Quincy R.R. 

Illinois Central R.R., 

Chicago & Alton R.R., . 



Company. 

Cost. 

£14,012 50 
25,450 00 
35,085 00 
85,351 50 
43,874 25 
13,358 00 
34,183 34 
27,800 00 



Market value. 

£14,000 00 
30,000 00 
20,400 00 
96,500 00 
49,500 00 
9,680 00 
26,190 00 
25,000 00 



1890.] 



INSURANCE COMPANIES. 



35 



Cost. Market value. 

400 shares Norwich & Worcester R.R., . . $68,287 75 $72,000 00 

210 " New York, New Haven & H. R.R., 38,705 50 52,500 00 

200 " New London & Northern R.R., . 25,707 00 28,000 00 

460 " Providence & Worcester R R , . 66,893 50 115,000 00 

100 " Fitchburg RR, .... 8,75250 8,50000 

286 " Boston & Maine R.R , . . . 45,572 93 55,770 00 

45 " State Safe Deposit Company, . . 4,500 00 4,500 00 

25 " Central National Bank, Worcester, 2,500 00 3,750 00 

50 " First National Bank, Boston, . . 5,000 00 12,500 00 

40 " City National Bank, Worcester, . 4,000 00 5,000 00 

100 " Third National Bank, Springfield, . 10,000 00 15,000 00 

112 " Hide & Leather N'l Bank, Boston, . 11,575 00 14,336 00 

67 " Shawnmt National Bank, Boston, . 6,725 00 8,710 00 

150 " Atlantic National Bank, Boston, . 18,388 75 20,700 00 

40 " Eliot National Bank, Boston, . . 4,075 50 5,280 00 

100 " Quinsigamond N'l B'k, Worcester, 10,090 00 11,500 00 

100 " Howard National Bank, Boston, . 9,93150 11,000 00 

25 " Leicester National Bank, . . 2,650 00 3,500 00 

100 " Continental National Bank, Boston, 10,012 50 12,600 00 

75 " Republic National Bank, Boston, . 7,562 50 12,150 00 

50 " Webster National Bank, Boston, . 5,275 00 5,000 00 

115 " Natl Bank of Redemption, Boston, 15,985 00 15,640 00 

100 " Tremont National Bank, Boston, . 13,300 00 11,400 00 

63 " Worcester National Bank, . . 8,589 50 9,450 00 

50 " Millbury National Bank, . . 5,000 00 5,250 00 

25 " Wachusett Natl Bank, Fitchburg, . 2,500 00 5,000 00 

67 " Revere National Bank, Boston, . 6,756 25 8,509 00 

90 " Adams Nat'l Bank, North Adams, . 13,122 50 12,600 00 

United States bonds, 166,000 00 178,500 00 

Worcester & Nashua Railroad bonds, . . 61,500 00 62,400 00 

Fitchburg Railroad bonds, .... 66,125 00 62,900 00 

Boston, Clint , Fitch. & New Bedford R R bonds, 33,000 00 33,000 00 

New York, Lackawanna & Western R.R. bonds, 73,27125 77,550 00 

Chicago & Northwestern Railroad bonds, . 99,427 50 103,820 00 

Michigan Central Railroad bonds, . . . 145,300 00 156,750 00 

New York Central & Hudson River R.R. bonds, 53,400 00 52,600 00 

New York & New England Railroad bonds, . 10,662 50 12,400 00 

Chicago, Burlington & Quincy R.R. bonds, . 28,400 00 27,300 00 

Chicago, Milwaukee & St. Paul RR bonds, . 29,750 00 30,750 00 

Evansville, Terre Haute & Chicago R.R. bonds, 10,250 00 11,000 00 

Pittsburgh, Cleveland & Toledo R.R bonds, . 21,200 00 21,600 00 

Chicago & Eastern Illinois R.R. bonds, . . 49,710 00 58,000 00 

Boston, Barre & Gardner R.R bonds, . . 31,590 00 32,855 00 

Strawn & Indiana State Line Railroad bonds, . 30,700 00 33,000 00 

Burlington & Missouri River R.R. bonds, . 18,600 00 18,200 00 

Central Pacific Railroad bonds, . . . 30,000 00 31,200 00 

Cleve , Col , Cin. & Indianapolis R.R. bonds, . 19,800 00 21,420 00 



36 



MASSACHUSETTS LIFE 



[Doc. 31, 



Baltimore & Ohio Railroad bonds, . 

St. Paul, Minneapolis & Manitoba R R. bonds, 

Lake Erie & Western Railroad bonds, 

Housatonic Railroad bonds, 

Long Island City & Flushing Railroad bonds, 

Atlantic Avenue Railroad bonds, 

Third Avenue Railroad bonds, . 

Chicago, Rock Island & Pacific R.R. bonds, 

Terre Haute & Indianapolis R.R bonds, . 

Chicago & Western Indiana Railroad bonds, 

Kings County Elevated Railroad bonds, . 

Milwaukee City Railroad bonds, 

Grand Avenue Railroad bonds, 

Chicago, St. Paul, Minn. & Omaha R.R. bonds, 

Fulton Elevated Railroad bonds, 

Street Railway, Grand Rapids, bonds, 

Maine Central Railroad bonds, 

Broadway Surface Railroad bonds, . 

Omaha Street Railway bonds, . 

Wabash Railroad bonds, .... 

West Side, Milwaukee, Railroad bonds, . 

Portland city bonds, 

Northampton city bonds, .... 

Meriden cit}- bonds, 

Bangor city bonds, 

Lawrence city bonds, .... 

Newton city bonds, 

Lowell city bonds, 

Worcester city bonds, .... 
Providence city bonds, .... 

Boston city bonds, 

Lynn city bonds, 

Clinton town bonds, 

Beverly town bonds, 

St. Paul city bonds, 

Cincinnati city bonds, .... 
Minneapolis city bonds, . . . . 

St. Louis city bonds, 

Toledo city bonds, 

Quincy Water Company bonds, 

Omaha city bonds, 

Nashville city bonds, .... 

Birmingham, Alabama, city bonds, . 
Fostoria, O., city bonds, .... 
Abstract Safety Vault Company, Chicago, 
Montclair, N. J., school bonds, . 
Guilford, Vt , town loan, .... 



Cost. 

$50,000 00 
57,625 00 
51,500 00 
77,750 00 
50,000 00 
15,675 00 
53,750 00 
40,000 00 
25,000 00 
27,500 00 
25,000 00 
25,000 00 
24,125 00 
57,500 00 
25,000 00 
10,800 00 
21,455 00 
18,700 00 
39,300 00 
50,000 00 
25,000 00 
19,000 00 
23,500 00 
10,000 00 
26,375 00 
53,000 00 
26,750 00 
52,000 00 
86,600 00 
25,875 00 
50,125 00 
10,500 00 
41,400 00 
51,375 00 
50,500 00 
9,640 00 
41,922 50 
21,450 00 
30,825 00 
20,000 00 
30,375 00 
10,000 00 
26,750 00 
20,000 00 
52,000 00 
6,500 00 
3,500 00 



Market value- 
.000 00 
58,750 00 
54,000 00 
78,000 00 
53,500 00 
15,900 00 
57,500 00 
39,200 00 
26,750 00 
28,750 00 
: 000 00 
25,500 00 
24,000 00 
57,500 00 
25,000 00 
10,800 00 
20,000 00 
19,000 00 
40,000 00 
49,000 00 
25,500 00 
24,400 00 
25,250 00 
10,300 00 
30,000 00 
58,400 00 
30,000 00 
52,000 00 
84,800 00 
25,750 00 
52,250 00 
10,000 00 
40,800 00 
52,000 00 
50,000 00 
9,440 00 
42,640 00 
21,200 00 
32,100 00 
20,400 00 
32,100 00 
10,000 00 
26,250 00 
20,600 00 
53,550 00 
6,500 00 
3,500 00 



1890.] INSURANCE COMPANIES. 37 

Cost. Market value. 

Worcester, Nashua & Rochester R.R. loan, . $107,000 00 $107,000 00. 

Norwich & Worcester R.R. loan, . . . 50,000 00 50,000 00 

Gardner Water Company loan, . . . 60,000 00 60,000 00 

Worcester Ttons. Street Railway Co. loan, . 15,000 00 15,000 00 

Worcester Gas Light Company loan, . . 30,000 00 30,000 00 

Parish St. Mark's Church loan, . . . 5,000 00 5,000 00 

Gardner Electric Company loan, . . . 40,009 00 40,000 00 



f3,566,901 52 $3,762,540 00 



LIFE INSURANCE COMPANIES 

OF OTHEK STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Tear ending 

December 31, 1890. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



".ETNA LIFE INSURANCE COMPANY," -HARTFORD, CONN. 

[Incorporated 1820. Commenced business I860.] 
Paid-up Capital, $1,250,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 



Income. 

New premiums without deductions, .... 

Renewal premiums, 

Premiums paid by dividends, including additions, . 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 



Total, 



$593,821 18 

3,221,841 51 

195,255 61 

$4,010,918 30 
692 80 

$4,010,225 50 

1,757,657 20 

6,033 59 

22,405 73 

$5,796,322 02 
33,239,933 93 

$39,036,255 95 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions,. 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 
policies, and voided by lapse, 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 
premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 



$1,400,278 94 

51,234 50 

1,110,626 40 

19,296 45 

$2,581,436 29 
5,724 00 

$2,575,712 29 
127,856 01 

22,152 31 

195,255 61 

561,616 68 
73,821 39 

$3,556,414 29 



42 



LIFE INSURANCE COMPAXII [Dec. 31, 



Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



Invested in the following : — 

Assets as pek Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium note,s or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$125,000 00 

511,870 81 

24,391 89 

35,322 83 

84,003 12 

104,000 33 

10,994 34 

995 88 

10,271 13 

72,050 12 

$4,535,380 74 



$34,500,87 



$628,660 39 

17,308,560 08 

494,028 31 

314,10- 

1,109,095 73 

11,549,442 74 

15,332 29 

3,081,590 05 



$34,500,875 21 



486,954 99 
716,594 11 



Total, 

Deduct loading (20 per cent ), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 

Items not admitted. 
Deduct special deposits in other States, . 

Balance, 



$127,626 75 

233,095 82 

$360,722 57 

72,144 51 



288,578 06 



$35,993,002 37 
231,280 00 



$35,761,722 37 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . 
Deduct net value of re-insured risks, .... 



Net re-insurance reserve, 



$29,540,182 00 
47,010 00 

$29,493,172 00 



1890.] 



OF OTHER STATES. 



43 



Death losses due and unpaid, .... $15,906 00 

Matured endowments due and unpaid, . . 45,819 00 

Death losses and matured endowments in proc- 
ess of adjustment, . . . . . . 125,288 80 

Claims resisted by the company, . . . 30,500 00 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, . 

Premiums paid in advance, 

Bills payable, 



Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards special policy-holders, 
Surplus as regards other policy-holders, 



Gross surplus, . 
Paid-up capital, 
Surplus over capital, 



Gross liabilities, 



$217,513 80 

213,303 82 

11,463 66 

6,164 98 



$29,941,618 26 
231,280 00 

$29,710,338 26 



$755,000 00 
5,296,384 11 



1,051,384 11 



1,250,000 00 
4,801,384 11 



55,761,722 37 



Premium Note Account. 



Premium notes on hand Dec. 31, 1889, 
Premium notes received during 1890, 

Total, 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1890, 



,230,578 24 

51,289 10 

$70,530 95 

22,152 31 

73,821 39 

6,266 96 



.,281,867 34 



172,771 61 



. $1,109,095 73 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 36,466 $50,966,610 00 
Endownent, . . . 26,095 39,795,308 00 
All other, .... 8,424 19,907,801 00 

70,985 $110,669,719 00 





Policies issued during the Year. 


Whole life, 


. 1,393 $2,600,929 00 


Endowment, 


. 5,853 10,892,589 00 


All other, . 


. 3,306 7,713,184 00 

i 



10,552 21,206,702 00 



44 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Old Policies revived and increased 

Number. 

6 
11 



57 



Amount. Total No. 

$38,574 00 

39,595 00 

121,950 00 
74 



Total Amount. 



$200,119 00 



Total, 81,611 $132,076,540 00 

Policies terminated during the Year. 

Whole life, . . . 1,466 $2,786,168 00 
Endowment, . . . 3,727 6,112,346 00 
All other, .... 2,404 5,521,644 00 





7,597 


$14,420,158 00 




How terminated. 


By death, .... 


930 


$1,442,396 00 


maturity, 


1,044 


1,112,582 00 


expiry, 


649 


1,376,584 00 


surrender, . 


1,041 


1,647,727 00 


lapse, , 


2,048 


4,813,061 00 


change and decrease, . 


46 


150,663 00 


Not taken, .... 


1,839 


3,877,145 00 



Whole life, 
Endowment, 
All other, . 



7,597 14,420,158 00 



Policies in force Dec. 31, 1890. 

. 36,399 $50,819,945 00 

. 26,934 44,615,146 00 

. 10,681 22,221,291 00 

74,014 $117,656,382 00 



Schedule A. 

Securities held as Collateral. 



Keithsourgh Township bonds, . 
City of Beardstown bonds, 

25 shares Hartford Carpet Company, 

13 " United States Bank, 
124 " JEtna Fire Insurance Company, 
300 " Willimantic Linen Company, 

12 " United States Bank, 
Hartford City Coal and Salt Company bonds, 
400 shares Willimantic Linen Company, 

50 " Hartford Carpet Company, . 

65 " JEtna Fire Insurance Company, 
150 " United States Bank, 
163 " iEtna Fire Insurance ComjDany, 

30 " Hartford Carpet Company, 

54 " iEtna Fire Insurance Co , 



Market value. 

$2,000 00 
1,500 00 
2,500 00) 
4,225 00 

32,240 00 

11,100 00 
3,900 00 
7,000 00 J 

14,800 00) 



Amount loaned. 



$2,680 00 



J> 47,700 00 



5,000 00 { 



16,900 00 . 
48,750 00 J 
42,380 00 > 
3,000 00 
14,040 00 J 



)> 63,363 31 



41,400 00 



1890.] 



OF OTHER STATES. 



45 



50 shares United States Bank, 

88 " iEtna Fire Insurance Company, 

1300 " Wheeler & Wilson Manuf. Co., 
281 " Willim antic Linen Company, 

Assignment of mortgage, 

233 shares Willimantic Linen Company, 

200 " Southern New Eng Telephone Co., 

100 " Plimpton Manuf. Company, . 

Assignment of mortgage, 
25 shares iEtna Fire Insurance Company, 
42 " Merrick Thread Company, 

125 " Hartford Fire Insurance Company, 
52 " iEtna Fire Insurance Company, 
16 " iEtna Fire Insurance Company, 
10 " Phoenix Fire Insurance Company, 

300 " Willimantic Linen Company, . 
25 " United States Bank, 
88 " Orient Fire Insurance Company, 
63 " iEtna Fire Insurance Company, 

St. Johnsbury & Lake Champlain R.R. bonds 

187 shares iEtna Fire Insurance Company, 

2 " Conn. River Railroad, 
10 " Russell & Erwin Manuf. Company, 
21 " Collins Company, . 

Conn. Western Railroad bonds, 



Market value. 

$16,250 00 
22,880 00 
32,500 00 \ 
10,397 00 > 
6,000 00 ) 
8,621 00 
12,000 00 
. 15,000.00 
2,600 00 
6,500 00 
10,500 00 
37,500 00 ) 
13,520 00 S 
4,160 00 I 
2,000 00 S 
11,100 00 
8,125 00 
8,800 00 i 
16,380 00 J 
34,500 00 
48,620 00 
420 00 > 
1,000 00 < 
189 00 J 
300,000 00 



Amount loaned. 

$10,000 00 
13,000 00 

44,285 00 

8,000 00 
10,000 00 
5,000 00 
2,500 00 
5,000 00 
9,000 00 

24,500 00 
4,500 00 



29,000 00 

25,000 00 
35,000 00 

1,100 00 

113,000 00 



$838,897 00 §494,028 31 



235 shares 


75 


u 


918 


(C 


400. 


u 


448 


M 


750 


11 


739 


If 


1552 


tc 


1608 


(( 


377 


u 


66 


If 


250 


(1 


836 


M 


700 


If 


240 


11 


50 


u 


200 


If 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

Connecticut River Banking Co , . $20,365 00 $11,750 00 

Metropolitan Bank, New York, . 5,587 50 525 00 

Phoenix National Bank, Hartford, . 124,285 50 119,340 00 

Mercantile Nat'l Bank, Hartford, . 42,885 25 36,000 00 

City Bank, Hartford, . . . 60,900 75 46,144 00 

Hartford National Bank, Hartford, 107,720 25 116,250 00 

First National Bank, Hartford, . 92,060 66 78,334 00 

Nat'l Exchange Bank, Hartford, . 93,729 80 100,880 00 

American Nat'l Bank, Hartford, . 93,576 87 107,736 GO 

Farm. & Mech Nat'l B'k, Hartford, 83,664 25 40,339 00 

Suffield National Bank, Suffield, . 8,375 00 9,900 00 

New Britain Nat'l B'k, New Britain, 28,450 00 37,500 00 

Charter Oak Natl B'k, Hartford, . 97,572 25 87,780 00 

JEtna National Bank, Hartford, . 79,969 46 77,000 00 

Hartford Trust Co., Hartford, . 25,065 00 31,200 00 

United States Bank, Hartford, . . 5,262 50 16,250 00 

Rockville Nat'l Bank, Rockville, . 20,000 00 25,000 00 



46 



LIFE INSURANCE COMPANIES [Dec. 31, 



100 shares Security Company, Hartford, . 

United States bonds, 

368 shares Connecticut River Railroad, . 
84 " iEtna Fire Insurance Co , 
1382 " N. Y., New Haven & Hartford R R 
Columbus & Indianapolis R.R. bonds, 
Cincinnati & Indiana Railroad bonds, 
Cleveland, Painesville & Ashtabula R.R. bond, 
Union Pacific Railroad bonds, . 
Keokuk & Des Moines R R. bonds and stock, 
Cleveland & Pittsburg Railroad bonds, . 
Atlantic Dock bonds, .... 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Vermont Valley Railroad bonds, 
110 shares Chicago, Burlington &QnincyR.R . 
200 " N. Y. Central & Hudson River R.R , 
200 " Union Pacific Railroad, . 
Terre Haute & Logan sport Railroad bonds, 
Hartford & New York Trans. Co bonds, 
City of Brantford bonds, . 
Province of Manitoba bonds, 
South Carolina State bonds, 
Virginia State bonds, 
Tennessee State bonds, 
Connecticut State bonds, . 
Mississippi State bonds, . 
Mobile city bonds, 
Hartford city bonds, . 
Louisville city bonds, 
Kansas city bonds, 
New Britain city bonds, . 
Peoria city bonds, 
Council Bluffs city bonds, 
PI atts mouth, Neb., city bonds. 
London, Ont , city bonds, . 
Beardstown city bonds, 
New Boston city bonds, . 
Jersey City city bonds, 
Ottawa city bonds, . 
Newark city bonds, . 
Indianapolis city bonds, . 
Quincy city bonds, . 
Milwaukee water city bonds, 
Cincinnati city bonds, 
St. Paul city bonds, . 
St. Paul, Neb., city bonds, 
Webster city bonds, . 
Hull city bonds, 



Cost. 

$10,000 00 

975,875 00 

39,372 25 

19,236 68 

215,534 00 

45,000 00 

20,675 00 

13,671 25 

30,690 00 

22,033 20 

747 50 

2.} ,000 00 

25,000 00 

150,750 00 

12,687 50 

25,000 00 

18,625 00 

100,000 00 

12,000 00 

97,500 00 

149,893 34 

29,410 00 

23,357 94 

25,100 00 

350,000 00 

10,000 00 

140,500 00 

320,310 00 

89,750 00 

90,500 00 

130,689 00 

8,200 00 

7,500 00 

23,000 00 

75,000 00 

2,980 00 

8,000 00 

122,900 00 

133,000 00 

172,015 00 

427,570 00 

11,564 00 

63,500 00 

100,000 00 

52,350 00 

20,000 00 

37,950 00 

40,000 00 



Market value. 

|13,000 00 

1,055,000 00 

81,280 00 

21,840 00 

352,41' 

51,000 00 

24,480 00 

15,120 00 

32,700 00 

17,094 00 

1,000 00 

27,000 00 

,000 00 

159,000 00 

10,670 00 

20,400 00 

9,20o 00 

110,000 00 

12,000 00 

100,000 00 

163,240 00 

39,369 75 

15,732 00 

20,080 00 

357,000 00 

10,000 00 

126,450 00 

356,440 00 

115,000 00 

115,000 00 

149,500 00 

14,700 00 

7,500 00 

23,000 00 

75.750 00 

5,000 00 

8,000 00 

133,900 00 

143,640 00 

198,360 00 

4*4,000 00 

24,000 00 

69,300 00 

130,000 00 

64,800 00 

20,000 00 

37,950 00 

41,200 00 



1890.J 



OF OTHER STATES. 



47 



Girard city bonds, 

Oxford city bonds, 

Lincoln city bonds, . 

Olathe City city bonds, 

Emporia city bonds, . 

Hartland city bonds, . 

Wymore city bonds, . 

Audubon city bonds, . 

Ness City city bonds, 

Russell city bonds, . 

Montreal Harbor city bonds, 

Lincoln city bonds, . 

Quebec city bonds, . 

Stratford city bonds, . 

Toronto city bonds, . 

Winfield city bonds, . 

Dighton city bonds, . 

Kendall ville city bonds, . 

Wichita city bonds, . 

Quebec government bonds, 

Hartford City Salt Company bonds, 

Cimarron city bonds, 

David city bonds, 

Ellsworth city bonds, 

Superior city bonds, . 

Seneca city bonds, 

Pratt city bonds, 

Burrton city bonds, . 

Lyons city bonds, 

Canton city bonds, 

Norton city bonds, 

Kingman city bonds, 

South Hutchinson city bonds, 

Loup City city bonds, 

Conway Springs city bonds, 

Douglass city bonds, 

Coolidge city bonds, . 

Johnson city bonds, . 

Englewood city bonds, 

Seward city bonds, . 

Governors foot guard bonds, 

City of Alma bonds, . 

City of Orleans bonds, 

City of Hastings bonds, . 

Monroe County bonds, 

Ford County bonds, . 

Macoupin County bonds, . 

Mason and Tazewell County bonds, 



Cost. 

$5,000 00 

9,800 00 

29,500 00 

12,000 00 

20,500 00 

10,000 00 

5,000 00 

5,000 00 

11,875 00 

5,000 00 

60,000 00 

11,880 00 

40,0C0 00 

21,000 00 

100,667 00 

10,000 00 

6,000 00 

13,000 00 

46,000 00 

207,500 00 

15,000 00 

10,000 00 

6,300 00 

37,260 00 

13,000 00 

9,500 00 

12,900 00 

12,880 00 

32,200 00 

6,405 00 

16,400 00 

10,000 00 

3,500 00 

6,000 00 

13,000 00 

11,000 00 

10,000 00 

7,350 00 

4,200 00 

13,500 00 

10,000 00 

8,122 50 

8,500 00 

54,000 00 

35,000 00 

.48,500 00 

78,800 00 

40,000 00 



Market value. 

$5,000 00 
10,000 00 
30,975 00 
12,000 00 
20,500 00 
10,000 00 

5,000 00 

5,000 00 
12,500 00 

5,000 00 
64,800 00 
12,000 00 
41,500 00 
22,470 00 
102,200 00 
10,000 00 

6,000 00 

13,000 00 

50,000 00 

232,400 00 

15,000 00 

9,500 00 

7,000 00 
40,500 00 
13,000 00 

9,500 00 
14,250 00 
13,300 00 
33,250 00 

6,650 00 
17,000 00 
10,000 00 

3,500 00 

6,000 00 
13,000 00 
11,000 00 
10,000 00 

7,000 00 

4,000 00 
15,000 00 
10,000 00 

8,550 00 
" 8,500 00 
57,600 00 
42,000 00 
52,500 00 
82,740 00 
42,000 00 



48 



LIFE INSURANCE COMPANIES [Dec. 31, 



Sangamon County bonds, . 
Gallatin County bonds, 
Hudson, N. J., County bonds, 
Ramsey County bonds, 
Edward County bonds, 
Moultrie County bonds, . 
Ellsworth County bonds, . 
Lyon County bonds, . 
Monroe County bonds, 
Pawnee County bonds, 
Harper County bonds, 
Clay County bonds, . 
Stafford County bonds, 
Benton County bonds, 
St. Clair drainage bonds, . 
Hunt drainage district bonds, 
Drainage District No. 3 bonds, 
Union drainage district bonds, 
Ulysses city bonds, . 
Reno County bonds, . 
Seward County bonds, 
Clay County bonds, . 
Jackson County bridge bonds, 
Paris town bonds, 
Hartford town bonds, 
Georgetown town bonds, . 
Mt. Pulaski town bonds, . 
Grant town bonds, 
Urbana town bonds, . 
Lennox town bonds, . 
Mattoon town bonds, 
Meade County bonds, 
Gray County bonds, . 
Nickerson city bonds, 
Lakin Township bonds, 
Muncie city bonds, . 
Ironwood city bonds, 
Meade Centre Township bonds 
Jackson town bonds, 
Kirklin town bonds, . 
Coaticook town bonds, 
Breckenridge town bonds, 
Galva town bonds, . 
Lake Fork town bonds, 
Montrose County bonds, . 
Huntington County bonds, 
Las Animas County bonds, 
Goodland city bonds, 



Cost. 

$46,000 00 

10,400 00 

49,843 75 

32,000 00 

20,000 00 

60,000 00 

26,000 00 

35,000 00 

3,000.00 

25,000 00 

11,500 00 

5,000 00 

5,000 00 

15,000 00 

30,000 00 

24,250 00 

3,380 00 

5,800 00 

9,500 00 

20,500 00 

47,000 00 

24,125 00 

7,000 00 

21,000 00 

85,600 00 

6,000 00 

5,000 00 

30,000 00 

3,500 00 

3,500 00 

20,250 00 

23,000 00 

7,500 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

16,000 00 

9,900 00 

2,000 00 

21,000 00 

5,000 00 

14,700 00 

12,593 73 

6,000 00 

4,500 00 

17,200 00 

9,000 00 



Market value. 

$50,000 00 

10,000 00 

52,500 00 

33,920 00 

21,000 00 

60,000 00 

27,300 00 

22,750 00 

3,000 00 

25,500 00 

12,075 00 

5,000 00 

5,250 00 

15,450 00 

31,500 00 

25,750 00 

3,380 00 

5,775 00 

9,500 00 

21,525 00 

47,000 00 

26,250 00 

7,000 00 

21,000 00 

85,560 00 

6,000 00 

5,250 00 

31,500 00 

3,500 00 

3.500 00 

27,810 00 

23,000 00 

7,500 00 

10,000 00 

8,000 00 

20,000 00 

20,000 00 

16,000 00 

10,000 00 

2,000 00 

21,000 00 

5,000 00 

15,450 00 

12,593 73 

6,060 00 

4.500 00 

17,200 00 

9,000 00 



1890.] 



OF OTHER STATES. 



49 



Pawnee cit}' bonds, . 
Greenfield city bonds, 
Dalles city bonds, 
Anthony city bonds, . 
Harper city bonds, . 
Beatrice city bonds, . 
Goldendale city bonds, 
Tipton city bonds, 
Keithsburgh town bonds, 
Ross town bonds, 
Levis town bonds, 
Stewart town bonds, . 
Highland town bonds, 
Newman & Fullerton town bonds, 
Rock Creek town bonds, 
Sprague town bonds, 
Province of Quebec town bonds, 
Bloomfield town bonds, 
Dodge town bonds, . 
Champaign town bonds, 
Mt. Forest town bonds, 
Sangamon town bonds, 
Pleasant town bonds, 
Hager Slough town bonds, 
Boone town bonds, . 
Creek town bonds, . 
North Baltimore town bonds, 
Reeder town bonds, . 
Jefferson town bonds, 
Humeston town bonds, 
Great Bend town bonds, 
Harlan town bonds, . 
Edgewood Village town bonds, 
Tuscola town bonds, 
Butler town bonds, . 
Emmetsburg town bonds, 
Allerton town bonds, 
Coldwater town bonds, 
Lamard town bonds, . 
Wild Cat town bonds, 
Hubbard town bonds, 
Fond du Lac town bonds, 
Sabula town bonds, . 
Neodesha town bonds, 
Baxter Springs town bonds, 
Monroe Township town bonds, 
Morton Township town bonds, 
Henderson town bonds, . 



Cost. 

$4,000 00 

2,675 70 

50,000 00 

19,000 00 

19,000 00 

10,000 00 

12,500 00 

11,450 00 

23,000 00 

23,712 00 

32,000 00 

3,000 00 

10,000 00 

4,000 00 

28,710 00 

40,133 33 

153,187 50 

40,824 00 

3,000 00 

53,500 00 

20,000 00 

4,000 00 

35,350 00 

5,000 00 

13,000 00 

14,000 00 

6,000 00 

15,840 00 

6,000 00 

2,500 00 

6,000 00 

6,600 00 

2,000 00 

10,000 00 

13,000 00 

4,000 00 

2,500 00 

10,000 00 

7,000 00 

3,000 00 

3,000 00 

45,000 00 

3,000 00 

12,000 00 

20,500 00 

38,610 00 

8,550 00 

4,750 00 



Market value. 

$ 4,000 00 

2,675 70 

55,000 00 

20,000 00 

20,000 00 

10,000 00 

12,500 00 

11,450 00 

23,690 00 

24,423 36 

30,400 00 

3,000 00 

10,000 00 

4,000 00 

29,000 00 

42,000 00 

168,300 00 

40,000 00 

3,000 00 

56,175 00 

20,600 00 

4,000 00 

35,000 00 

5,000 00 

13,000 00 

14,000 00 

6,000 00 

16,000 00 

6,000 00 

2,500 00 

6,000 00 

6,600 00 

2,000 00 

10,300 00 

13,000 00 

4,000 00 

2,500 00 

10,000 00 

7,210 00 

3,000 00 

3,000 00 

47,250 00 

3,000 00 

12,000 00 

20,500 00 

39,000 00 

9,000 00 

5,000 00 



50 



LIFE INSURANCE COMPANIES [Dec. 31, 



Loekridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 
Rolling Prairie town bonds, 
Cicero town bonds, . 
Hayes town bonds, . 
McFaddcn town bonds, 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle Township town bonds, 
Valley Centre Township town bonds, 
Richland Township town bonds, 
Little River Township town bonds, 
Victoria Township town bonds, 
Liberty Township town bonds, 
Burrton Township town bonds, 
Green Garden Township town bonds, 
Phillipsburg Township town bonds, 
Plum Township town bonds, . 
Centre Township town bonds, . 
Jefferson Township town bonds, 
Lake Township town bonds, 
Richland Township town bonds, 
Lincoln Township town bonds, 
Elk Creek Township town bonds, . 
Limestone Township town bonds, . 
Ezbon Township town bonds, . 
Groveland Township town bonds, . 
Banner Township town bonds, 
Hamson Township town bonds, 
Valparaiso Township town bonds, . 
Hayncsville Township town bonds,. 
Turkey Creek Township town bonds, 
May Township town bonds, 
Pleasant Valley Township tow r n bonds, 
Antelope Township town bonds, 
Little Blue Township town bonds, . 
Alma Township town bonds, . 
Township G Township town bonds, 
Franklin Township town bonds, 
Township M Township town bonds, 
Township L Township town bonds, 
Township B Township town bonds, 
Brown Township town bonds, . 
New York Township town bonds, 
Baker Township town bonds, . 
Henderson Township town bonds, 
Thayer Township town bonds, 



Cost. 

$7, GOO 00 

9,600 00 

45,700* 00 

18,000 00 

8,500 00 

17,575 00 

9,500 00 

7,600 00 

19,200 00 

13,800 00 

9,200 00 

12,040 00 

21,160 00 

20,240 00 

7,600 00 

23,920 00 

13,800 00 

9,150 00 

12,900 00 

41,860 00 

7,600 00 

17,480 00 

12,352 50 

13,800 00 

7,600 00 

13,725 00 

8,600 00 

13,760 00 

24,685 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

4,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 

9,000 00 

6,300 00 

9,000 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

4,500 00 

4,500 00 



Market value. 

$8,000 00 

10,000 00 

50,000 00 

18,000 00 

8,500 00 

18,240 00 

• 9,600 00 

-0 00 

19;200 00 

14,400 00 

9,000 00 

13,300 00 

23,000 00 

22,000 00 

8,000 00 

23,400 00 

15,000 00 

10,000 00 

15,000 00 

45,000 00 

7,680 00 

18,240 00 

12,825 00 

15,000 00 

7,680 00 

14,400 00 

9,600 00 

15,360 00 

26,400 00 

19,200 00 

5,500 00 

18,240 00 

2,880 00 

4,32<> 00 

3,900 00 

4,800 00 

2,880 00 

6,240 00 

9,600 00 

6.720 00 

9,600 00 

4,800 00 

9,600 00 

5,760 00 

9,600 00 

9,600 00 

4,800 00 

4,800 00 



1890.] 



OF OTHER STATES. 



51 



Stewart Township town bonds, 
Union Township town bonds, . 
Bone Creek Township town bonds, 
Read Township town bonds, . 
Olive Township town bonds, . 
Oak Creek Township town bonds, 
Stromburg Village town bonds, 
Village of Ord town bonds, 
Bowen Precinct town bonds, . 
Victor Precinct town bonds, 
Fairmouth Precinct town bonds, 
Lincoln Precinct town bonds, . 
Centre Precinct town bonds, . 
Twin Grove Precinct town bonds, 
Madison Precinct town bonds, . 
Harvard Precinct town bonds, . 
Nova Precinct town bonds, 
Geneva Precinct town bonds, . 
Exeter Precinct town bonds, . 
Ainsworth Precinct town bonds, 
Coolidge Bridge town bonds, . 
School District No. 5 bonds, 
School District No. 1 bonds, 
School District No. 18 bonds, . 
School District No. 9 bonds, 
School District No. 8 bonds, 
School District No. 5 bonds, 
School District No. 6 bonds, Kan., 
School District No. 6 bonds, 111., 
School District No 2 bonds, 
School District No. 19 bonds, . 
School District No. 6 bonds, Gove Co., 
Marcus School District School bonds, 
Creston School bonds, 
Spring Creek School bonds, 
Spring Creek Precinct School bonds, 
Cedar Rapids School bonds, 
Ida Grove School bonds, . 
Glad Brook School bonds, 
Centreville School bonds, 
Hampton School bonds, . 
South Bend School bonds, 
Defiance School bonds, 
Batavia School bonds, 
Sidell School bonds, . 
Alta School bonds, . 
Portland School bonds, 
Odebolt School bonds, 



Kan. 



Cost. 

f9,000 00 
5,400 00 
9,000 00 
9,000 00 
5,400 00 
5,400 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

27,075 00 
6,300 00 
6,300 00 
9,000 00 
4,500 00 

22,500 00 
3,840 00 

13,500 00 

18,000 00 

10,550 00 

8,400 00 

620 00 

8,500 00 

6,000 00 

10,000 00 
4,000 00 

10,400 00 

1,000 00 

500 00 

4,900 00 

10,000 00 
4,500 00 
3,000 00 

19,000 00 

3,000 00 

5,760 00 

147,000 00 

17,000 00 
2,500 00 

17,000 00 
7,500 00 
1,000 00 
2,943 00 

10,000 00 
2,700 00 
4,000 00 
9,000 00 
3,250 00 



Market value. 

$9,600 00 
5,760 00 
9,600 00 
9,600 00 
5,760 00 
5,760 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

28,800 00 
6,720 00 
6,720 00 
9,600 00 
4,800 00 

24,000 00 
3,840 00 

14,400 00 

19,200 00 

10,000 00 

8,000 00 

600 00 

8,500 00 

6,000 00 

10,000 00 
4,000 00 

10,000 00 

1,000 00 

500 00 

4,900 00 

10,000 00 
4,500 00 
3,000 00 

19,190 00 

3,000 00 

5,760 00 

149,940 00 

17,000 00 
2,500 00 

17,000 00 
7,500 00 
1,000 00 
3,000 00 

10,000 00 
2,700 00 
4,000 00 
9,000 00 
3,250 00 



52 



LIFE INSURANCE COMPANIES [Dec. 31, 



Spencer School bonds, 

South English School bonds, 

Camargo School bonds, . 

Van Horn School bonds, . 

Garwin School bonds, 

Oxford Junction School bonds, 

Snow Hill School bonds, 

Chariton School bonds, 

Clearfield School bonds, 

School District No. 37 School bonds, Neb., 

School District Nos. 4 and 77 School bonds, 

Dunlap School bonds, 

Imogene School bonds, 

School District No. 10 School bonds, 

Lineville School bonds, . 

Panora School bonds, 

Saline County School bonds, 

School District No. 42 School bonds, 

Lebanon School bonds, 

Inlet Swamp drainage bonds, 

City of Victoria city bonds, 

City of Ossawatotnie city bonds, 

Hamilton County bonds, . 

City of Downs city bonds, 

Beaver Precinct bonds, 

Lincoln Township bonds, 

Jefferson Precinct bonds, 

City of Sante Fe city bonds 

Fargo Township bonds, 

Stanton County bonds, 

Haskell County bonds, 

Lane County bonds, . 

Vancouver city bonds, 

St. Hyacinthe citybonds. 

Enterprise city bonds, 

Three Rivers city bonds, 

Sault St. Marie city bonds, 

Springfield, Kan., County bonds, 

Lincoln Precinct bonds, 

Anthony Township bonds, 

Spring Township bonds, . 

Grant Township bonds, . 

Sheridan Township bonds, 

Ford Township bonds, 

Owego Township bonds, . 

Valley Township bonds, . 

Newman Township Drainage No 3, 

Young America Township Drainage No. 1, 



Cost. 

$4,000 00 

1,000 00 

4,000 00 

2,500 00 

200 00 

5,000 00 

4,200 00 

5,000 00 

1,700 00 

8,500 00 

4,000 00 

7,000 00 

1,000 00 

2,000 00 

4,000 00 

4,500 00 

1,859 65 

5,000 00 

22,500 00 

8,800 00 

80,000 00 

20,000 00 

40,000 00 

29,100 00 

11,000 00 

6,720 00 

4,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 00 

10,000 00 

32,500 00 

20,000 00 

16,000 00 

4,800 00 

2,850 00 

12,350 00 

12,255 00 

2,070 00 

14,700 00 

8,000 00 

2,375 00 

10,000 00 

30,000 00 



Market value. 

§4,000 00 

1,000 00 

4,120 00 

2,500 00 

200 00 

5,000 00 

4,200 00 

5,000 00 

1,700 00 

8,500 00 

4,000 00 

7,000 00 

1,000 00 

2,000 00 

4,000 00 

4,500 00 

1369 65 

5,000 00 

22,500 00 

8,800 00 

86,000 00 

20,000 00 

34,000 00 

30,000 00 

14,440 00 

7,000 00 

00 

4,500 00 

14,250 00 

12,000 00 

10,000 00 

33,000 00 

245,812 50 

30,000 00 

10,200 00 

35,262 50 

21,200 00 

15,200 00 

4,800 00 

3,000 00 

13,000 00 

12,900 00 

2,070 00 

14,400 00 

8,000 00 

2,400 00 

10,000 00 

30,600 00 



1890.] 



OF OTHER STATES. 



53 



Beaver Lake Township Drainage, . 

Iroquois County Drainage District No. 1, 

Indian Grave Drainage District, 

Nelson Precinct, 

Nichols Precinct, 

Ainsworth Village, . 

North St Paul Village, . 

Atkinson Village, 

Valentine Village, . 

Parkdale Town, 

City of St. Thomas, . 

West Toronto Junction, . 

Town of Windsor, Ont., . 

City of Kingston, Ont., 

City of Bellville, Ont , . 

Hartford City, . 

N. Y, N. H. & H. R.R., . 

Angus School, . 



Cost. 

$28,000 00 

11,000 00 

11,300 89 

22,000 00 

7,000 00 

8,000 00 

22,000 00 

7,000 00 

8,400 00 

74,847 74 

125,000 00 

99,167 73 

107,761 03 

11,763 99 

50,000 00 

250,000 00 

350,000 00 

5,000 00 



Market value. 

$28,560 00 

11,330 00 

11,650 41 

22,000 00 

7,000 00 

8,000 00 

22,000 00 

7,000 00 

8,400 00 

74,847 74 

125,000 00 

99,167 73 

113,687 88 

12,116 90 

52,375 00 

250,000 00 

350,000 00 

5,000 00 



$11,549,442 74 $12,266,036 85 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, 1865.] 
Paid-up Capital, $150,000. 

Thomas W. Russell, President. Frederick V. Hudson, Secretary. 

Income. 

Nevv premiums without deductions, $45,194 55 

Renewal premiums, 210,380 65 

Premiums paid by dividends, 5,197 72 

Premiums paid by surrendered policies, 14,478 38 

Total, $275,251 30 

Deduct amount paid for re-insurance, . . . . 2,183 05 

Total premium income, $273,068 25 

Cash received for interest, 99,470 20 

as discount on claims paid in advance, . . 4,995 02 

for profits on bonds or stocks sold, ... 66 59 

Total income, $377,600 06 

Net or ledger assets Dec. 31, 1889, 1,865,787 56 

Total, $2,243,387 62 



54 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses, 

Cash paid for matured endowments, .... 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $ 5,529.28 ; applied in 

payment of premiums, $4,250.69, .... 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising, printing, etc., 

for legal expenses, 

Total disbursements, 



Balance, 



$88,33' 


41,2 


43 


$129,56* 


8,2! 


17 


1,17 


14,478 


38 


9,779 


97 


947 


03 


$159,180 


07 


12,000 00 


9,404 02 


36,581 


65 


4,110 


29 


15. 


49 


4,958 


20 


9,7' 


90 


418 00 



$252,317 22 



$1,991,070 40 



Invested in the following: 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 



Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, . 

Total net or ledger assets, 



$162,073 28 

1,380,521 38 

10,739 23 

19,519 41 

54,985 27 

340,288 78 

1,230 11 

20,868 55 

827 88 

16 51 



$1,991,070 40 
52,108 90 

$1,938,961 50 



1890.] 



OF OTHER STATES. 

Other Assets. 



55 



Interest clue and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 

Items not admitted. 

Agents 1 balances, 

Bills receivable, 

Total, 

Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . 
Deduct net value of re-insured risks, 



$12,765 58 
46,184 32 


$42,052 
24,966 

47,159 


43 
22 


$58,949 90 
11,789 98 


QO 




51 

88 




:ed. 

$16 

827 


$2,053,740 
844 


07 
30 








. • • 


$2,052,895 


68 



Net re-insurance reserve, 

Matured endowments due and unpaid, . . $10,990 03 
Death losses in process of adjustment, . . 4,800 00 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, . 
Premiums paid in advance, 

Liabilities as to policy-holders, .... 

Surplus as regards special policy-holders, . $267,837 33 
Surplus as regards other policy-holders, . . 242,691 09 

Gross surplus, $510,528 42 

Paid-up capital, 

Surplus over capital, 

Gross liabilities, 



$1,547,389 00 
21,512 00 

$1,525,877 00 



15,790 03 
256 94 
443 29 

$1,542,367 26 



Premium Note Account. 



150,000 00 
360,528 42 

$2,052,895 68 



Premium notes on hand Dec. 31, 1889, . . $61,444 40 

Premium notes received during 1890, . . 4,028 20 

Total $65,472 60 

Used in payment of surrendered policies and 

voided by lapse, $1,174 09 

Used in payment of dividends to policy-holders, 947 03 

Redeemed by maker in cash, .... 8,366 21 

Total, 10,487 33 

Balance note assets Dec. 31, 1890, $54,985 27 



56 



LIFE INSURANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,530 $5,048,573 00 
Endowment, . . .2,618 2,984,606 00 
All other, .... 39 125,109 00 

6,187 $8,158,288 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
518 $672,836 00 
935 1,059,563 00 
16 77,500 00 



1,469 1,809,899 00 



Whole life, 
Endowment, 



Old Policies revived. 

2 $1,500 00 

4 4,500 00 



6,000 00 



Whole life, 
Endowment, 



Old Policies increased. 

5 $10,500 00 

9 7,800 00 



14 



18,300 00 



Total, 7,676 $9,992,487 00 



Policies terminated during the Year. 

Whole life, ... 364 $497,555 00 

Endowment, ... 544 595,778 00 

All other, .... 8 36,000 00 





916 


$1,129,333 00 




How terminated. 


By death, . 


51 


$87,000 00 


maturity, 


39 


17,874 00 


expiry, . 


61 


93,200 00 


surrender, . 


59 


81,621 00 


lapse, . 


404 


447,802 00 


change and decrea 


se, . 14 


47,336 00 


Not taken, . 


288 


354,500 00 



916 1,129,333 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1890. 
. 3,691 $5,235,854 00 
. 3,022 3,460,691 00 
47 166,609 00 



6,760 $8,863,154 00 



1890.] 



OF OTHER STATES. 



57 



Schedule A. 

Securities held as Collateral. 



24 shares Hartford Carpet Company, 
6 shares American National Bank, Hartford, 
Arizona Canal Company bond, 
Arizona Improvement Company bond, 
Denver Water Company bond, 
12 shares Adams Express Company, 
14 " Charter Oak National Bank, 
5 " State Bank, Hartford, 
Mortgages assigned, .... 



Schedule B. 
Slocks and Bonds owned by the 

150 shares New York, New Haven & H. R.R., 

40 
216 
104 

52 

70 
100 

20 

12 

24 

50 

86 

50 



Market value. 

$2,280 00 

396 00 

1,100 00 

1,000 00 

1,050 00 

1,680 00 

1,442 00 

500 00 

' 4,900 00 



Fourth National Bank, New York, . 
American National Bank, Hartford, 
Phoenix National Bank, Hartford, . 
Charter Oak Natl Bank, Hartford, 
Hartford National Bank, Hartford, 
First National Bank, Hartford, 
iEtna National Bank, Hartford, 
Farm, and Mech. N'l B'k, Hartford 
City National Bank, Hartford, 
Thames National Bank, Norwich, 
Conn. Trust and Safe Deposit Co. 
Security Company, . 

Washington, Ind., city bonds, . 

Evansville, Ind , city bonds, 

Indianapolis, Ind , city bonds, . 

Cleburne, Tex , city bonds, 

Lyon County, la , bonds, . 

Cowley County, Kan., bonds, . 

Pawnee County, Kan., bonds, . 

Mason and Tazewell, 111., bonds, 

Wildcat, Champaign County, 111., bonds, 

Big Slough, Champaign County, 111., bonds, 

Lima Lake, Adams County, 111., bonds, . 

Indian Grave, Adams County, 111., bonds, 

Clay County, Minn., bonds, 

Pekin and La Marsh, Peoria Co., 111., bonds, 

Lake Shore & Michigan Southern R.R bonds 

Terre Haute & Logansport R.R. bonds, . 

Valley Railroad, Ohio, bonds, . 

Clay School Township, Ind., bonds, 



Company. 

Cost. 

$19,293 03 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,373 50 

2,250 67 

2,790 00 

6,850 00 

8,428 00 

4,750 00 

9,775 00 

16,353 95 

24,500 00 

7,070 00 

5,000 00 

10,250 00 

5,000 00 

15,696 50 

15,375 00 

10,150 00 

13,000 00 

5,044 00 

11,375 00 

5,075 00 

5,089 38 

10,000 00 

10,462 50 

5,500 00 



Amount loaned. 

$1,800 00 
310 00 



2,100 00 

2,800 00 
3,729 23 



$14,348 00 $10,739 23 



Market value. 

$37,500 00 

6,800 00 

14,256 00 

13,000 00 

5,356 00 

10,500 00 

10,500 00 

2,140 00 

1,248 00 

2,400 00 

7,000 00 

12,470 00 

7,000 00 

10,000 00 

15,640 00 

26,750 00 

7,070 00 

4,000 00 

10,500 00 

5,250 00 

15,800 00 

15,450 00 

10,600 00 

13,000 00 

5,200 00 

11,500 00 

5,100 00 

6,600 00 

10,500 00 

10,500 00 

5,500 00 



58 LIFE INSURANCE COMPANIES [Dec. 31, 



Oxford School Township, Kan., bonds, . 
Denver Water Company bonds, 
Southwestern Irrigation Company bonds, 
Arizona Canal Company bonds, 
Arizona Improvement Companj" bonds, . 
Huron, Dak., city warrants, 
Norwich, Kan., bonds, .... 
Fremont, Neb., bonds, .... 



Cost. Market value. 

$5,000 00 $o,250 00 

10,000 00 10,500 00 

5,000 00 5,000 00 

10,000 00 11,000 00 

4,750 00 5,000 00 

1,500 00 1,500 00 

2,625 00 2,625 00 

5,075 00 5,250 00 



$340,288 78 $365,255 00 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY/ 1 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. Edward M. Bunce, Secretary. 

Income. 

New premiums without deductions, $539,601 54 

Renewal premiums, 2,599,231 87 

Premiums paid by dividends, including additions, . . . 1,03 

Premiums paid by surrendered policies, 242,134 40 

Total, $4,416,575 33 

Cash received for interest, 2,683,976 19 

as discount en claims paid in advance, . . 8,004 26 

for rents of company's property, . . . 337,075 04 
for profit and loss account, .... 369,410 61 

Total income $7,815,041 43 

Net or ledger assets Dec. 31, 1889, 56,332,841 24 

Total $64,147,882 67 

Disbursements. 

Cash paid for losses and additions $3,375,978 15 

Premium notes or loans used in payment of same, . . . 52,172 50 

Cash paid for matured endowments and additions, . . . 794,888 69 
Premium notes or loans used in payment of same, . . . 1,464 31 

Gross amount paid for losses and endowments, . . $4,224,503 65 

Cash paid for surrendered policies, 194,199 85 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 25,372 65 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 242,134 40 



1890.] 



OF OTHER STATES. 



59 



Cash dividends paid policy-holders, $80,123 25; applied in 

payment of premiums, $1,035,607 52, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

for real estate expenses, .... 



Total disbursements, . 



Balance, 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 

Ledger assets (as per balance), 



,115,730 77 
31,651 02 

1,833,592 34 

298,492 72 

20,412 85 

21,592 88 

135,783 20 

292,586 24 

5,437 27 

38,573 43 

59,815 28 

152,502 42 



, $6,858,788 63 
$57,289,094 04 



$7,662,865 54 

35,674,585 53 

38,282 50 

1,688,178 94 

11,557,249 89 

661,466 84 

1,750 00 

4,714 80 

$57,289,094 04 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds over cost, 
Uncollected premiums on policies in force, 
Deduct loading (20 per cent.), . 
Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



.71,676 94 
34,335 39 



1,019,227 24 

7,537 00 

294,507 61 



137,341 55 

$58,747,707 44 



Items not admitted. 



Agents 1 balances, .... 

Bills receivable, .... 

Total, 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



K,714 80 
1,750 00 



6,464 80 



,741,242 64 
118,000 00 



,623,242 64 



60 



LIFE INSURANCE COMPANIES [Dec. 31, 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Death losses due and unpaid, .... 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Reserve on account of lapsed policies, 
Premiums paid in advance, etc., 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, .... 



$51,050,340 00 



[11,225 25 
17,933 00 

92,456 00 
38,846 00 



200,460 25 

302,078 76 

303,311 00 

44,025 24 



$52,560,815 25 
118,000 00 



$52,442,815 25 
. 6,180,427 39 

$58,623,242 64 



- Premium Note Account. 



Premium notes on hand Dec. 31, 1889, 
Premium notes received during 1890, 

Total, . 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



$1,813,180 76 
989 00 

$53,636 81 

26,361 65 
31,651 02 
14,341 34 



Balance note assets Dec. 31, 1890, 



,814,169 76 



125,990 82 



. $1,688,178 94 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 58,866 $141,807,081 00 
Endowment, . . . 4,964 9,932,413 00 

63,830 $151,739,494 00 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 2,885 $8,346,942 00 
744 1,731,453 00 



3,629 10,078,395 00 



1890.] 



OF OTHER STATES. 



Gl 



Whole life, 
Endowment, 



Endowment policies transferred, 



Old Policies revived. 

Number. Amount. 

133 $515,850 00 
10 26,000 00 


Total No. 

143 

4 


Total Amount. 

$541,850 00 
27,750 00 


jrred, 


. 



Total, 67,606 $162,387,489 00 



Policies terminated during the Year. 

Whole life, . . . 2,759 $7,764,407 00 
Endowment, ... 700 1,388,340 00 





3,459 


$9,152,747 00 




How terminated. 


By death, . 


. 1,449 


$3,470,283 00 


maturity, 


450 


803,951 00 


transfer, 


4 


27,750 00 


surrender, 


509 


1,286,055 00 


lapse, . 


819 


2,143,700 00 


change and decrea 


se, . 


686,508 00 


Not taken, . 


228 


734,500 00 



3,459 9,152,747 00 



Whole life, 
Endowment, 



Policies in force Dec. 31,1890. 

. 59,125 $142,905,466 00 
. 5,022 10,329,276 00 

64,147 $153,234,742 00 



Schedule A. 

Securities held as Collateral. 



17 shares N. Y., New Haven & Hartford R K., 
340 " Indianapolis National Bank, . 
100 " ./Etna Insurance Company, 
Missouri farm mortgage bond, 



Market value. 

$4,292 50 

34,000 00 

25,700 00 

1,600 00 



Schedule B. 
Bonds and Stocks owned by the Company. 

Cost. 

$99,125 00 



United States bonds, 

State of Tennessee bonds, 

City of Jackson, Mich., water bonds, 

City of Fort Wayne, Ind., bonds, . 

City of Louisville, Ky., bonds, 



19,200 00 

90,000 00 

124,200 00 

125,339 06 



Amount loaned. 

$2,300 00 

25,433 00 

10,000 00 

549 50 



55,592 50 $38,282 50 



Market value. 

$118,000 00 

13,440 00 

90,000 00 

120,000 00 

134,500 00 



62 



LIFE INSURANCE COMPANIES [Dec. 31, 



City of Mobile, Ala , bonds, 

City of Milwaukee, Wis., bonds, 

City of Quiney, 111., bonds, 

City of Galveston, Texas, bonds, 

City of Austin, Texas, bonds, . 

City of Denver, Col., bonds, 

Cit}* of Montreal, Canada, bonds, 

City of Logansport, Indiana, bonds, 

City of Muneie, Indiana, bonds, 

City of Omaha bonds, 

City of San Antonio, Texas, bonds, 

City of Duluth, Minn., bonds, . 

City of St. Paul, Minn , water bonds, 

City of Pueblo, Col., water bonds, . 

County of Leavenworth, Kansas, bonds, . 

County of Warren, Indiana, court-house bonds 

County of Allen, Indiana, bonds, 

County of Mahaska, Iowa, bonds, . 

County of Hancock, Ohio, court-house bonds, 

County of Wyandotte, Kansas, bonds, 

Province of Quebec currency bonds, 

St. Louis Chamber of Commerce bonds, . 

Atlantic Dock Company bonds, 

Long Dock Company bonds, 

Baltimore & Ohio Railroad bonds, . 

Chicago, Burlington & Quiney R.K. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, St Louis & New Orleans R.R. bonds 

Chicago & Western Indiana R.R. bonds, . 

Chicago, Milwaukee & St Paul R.R. bonds, 

Cleve., Colum , Cin. & Indianapolis R.R bonds 

Central Union Depot and Railway bonds, 

Dayton & Western Railroad bonds, . 

Dayton & Michigan Railroad bonds, 

Detroit, Lansing & Northern R R. bonds, 

Harlem River & Port Chester Railroad bonds 

Lehigh Valley Railroad bonds, 

Michigan Central Railroad bonds, . 

New York, Lake Erie & Western R R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia & Reading Railroad bonds, . 

St Louis Cable & Western Railroad bonds, 

St. Paul & Northern Pacific Railroad bonds, 

St. Joseph Terminal Railroad bonds, 

Vermont Valley Railroad.bonds, 

Wabash Railroad consols, 

130 shares First National Bank, Hartford, 

25 shares iEtna National Bank, Hartford, 



Cost. 

$87,500 00 

356,500 00 

226,019 75 

100,000 00 

39,000 00 

301,500 00 

100,031 25 

72,720 00 

15,468 75 

160,825 00 

31,800 00 

133,125 00 

132,370 00 

79,312 50 

99,580 00 

30,540 00 

39,441 25 

7,157 50 

76,797 50 

86,437 50 

15,468 75 

472,000 00 

81,000 00 

391,607 50 

269,375 00 

774,233 05 

158,765 83 

776,562 50 

1,231,384 42 

320,712 08 

62,950 83 

250,000 00 

35,026 67 

210,575 00 

121,752 50 

650,000 00 

56,485 17 

526,193 75 

198,574 42 

507,500 00 

124,740 38 

107,325 00 

374,002 50 

350,000 00 

301,500 00 

153,739 23 

13,000 00 

2,500 00 



Market value. 

$78,750 00 
400,680 00 
225,000 00 
100,000 00 

43,800 00 
319,500 00 
100,000 00 

72,000 00 

15,000 00 
156,175 00 

33,300 00 
128,750 00 
130,200 00 

82,125 00 
105,000 00 

30,000 00 

38,760 00 
7,000 00 

75,000 00 

80,250 00 

17,100 00 
472,000 00 

85,050 00 
381,420 00 
290,000 00 
2,900 00 
167,120 00 
832,500 00 
1,246,180 00 
321,180 00 

63,500 00 
250,000 00 

36,480 00 
215,250 00 
106,500 00 
679,250 00 

60,160 00 
560,500 00 
206,150 00 
565,000 00 
125,000 00 

99,000 00 
384,370 00 
350,000 00 
312,000 00 
141,000 00 

13,650 00 
2,675 00 



1890.] 



OF OTHER STATES. 



G3 



294 shares Phoenix National Bank, Hartford 



10 

80 

40 

300 

175 

252 

50 

2000 

500 



Charter Oak Nat'l Bank, Hartford 
City Bank, Hartford, 
State Bank, Hartford, . 
Conn. T. & Safe D. Co., Hartford 
First Nat'l B'k, Litchfield, Conn , 
N. Y., N. Haven & Hartford R.R. 
Connecticut River Railroad, . 
Conn. & Passumpsic Rivers R.R. 
Massawippi Valley Railroad, 



Cost. 

),710 25 

1,055 00 

8,000 00 

4,195 00 

30,000 00 

22,125 00 

25,200 00 

5,000 00 

200,000 00 

50,000 00 



Market value. 

$36,750 00 

1,000 00 

8,000 00 

3,800 00 

43,500 00 

21,000 00 

63,630 00 

10,912 50 

200,000 00 

50,000 00 



1,557,249 89 $11,851,757 50 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 



[Incorporated July 26, 1859. Commenced business July 28, 1859.] 
Paid-up Capital, $100,000. 



Henry B. Hide, President. 



William Alexander, Secretary. 



Income. 



New premiums without deductions, . 
Renewal premiums, .... 
Cash received for annuities, 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 
Less contingent sinking fund, . 



. $7,716,500 93 

. 21,100,038 41 

536,730 29 

$29,353,269 63 
761 66 



,352,507 97 

4,877,952 61 

806,222 66 



$35,036,683 24 



$101,373,362 31 
330,211 30 



-101,043,151 01 



Total, . $136,079,834 25 



Disbursements. 

Cash paid for losses and additions, . 

Cash paid for matured endowments and additions, . 



5,018,627 70 
799,312 57 



Gross amount paid for losses and endowments, 



5,817,940 27 



64 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid to annuitants, $250,738 85 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 2,521,062 39 

Cash dividends paid policy-holders, applied in payment of 
premiums, . 1,666,930 20 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 

for advertising, 

for incidentals, 



Total disbursements, . 



$13,256,671 71 
7,000 00 
3,048,004 12 
206,404 58 
361,861 91 
508360 96 
285,223 27 
141,036 26 
589,253 80 
221,223 38 
1,968,532 09 



$20,594,062 08 



Balance, ? 115,485,772 17 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in banks and trust companies, 

Agents' ledger balances, 

Commuted commissions, etc., 



$27,159,037 33 

24,407,388 13 

3,738,378 75 

46,275,587 46 

7,506 99 

11,961,016 04 

1,129,348 12 

807,509 35 



Ledger assets (as per balance), 



$115,485,772 17 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent ), . 

Net am't of uncollected and deferred prem's, 



$50,546 00 
2,044,959 00 



$2,095,505 Q0 
419,101 00 



224,136 33 

30,842 43 

1,407,488 54 



1,676,404 00 



Total assets per company's books, 



$118,824,643 47 



1890.] OF OTHER STATES. 65 

Items not admitted. 

Commuted commissions, . . . . . $807,509 35 

Agents' balances, 1,129,348 12 

Total, $1,936,857 47 



Total admitted assets, #116,887,786 00 

Deduct special deposits in other States and countries, . . 4,707,718 00 



Balance, $112,180,068 00 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $94,752,564 00 

Death losses and matured endowments in process of adjust- 
ment, 337,333 13 

Unpaid dividends of surplus due policy-holders, . . . 117,226 00' 

Liability under lapsed policies, 229,922 00' 

Liabilities as to policy-holders, f 95,437,045 13'- 

Deduct liabilities on special deposits, 4,707,718 00' 



),729,327 13^ 

Surplus as regards Tontine policy-holders, . $16,846,543 00 
Surplus as regards other policy-holders, . . 4,604,197 87 

Gross surplus, $21,450,740 87 

Paid-up capital, 100,000 00- 

Surplus over capital, 21,350,740 87 

Gross liabilities, $112,180,068 00' 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 147,271 $542,856,762 00 
Endowment, . . . 21,559 79,138,449 00 

All other 1,836 3,131,020 00 

Reversionary additions, . - 5,890,435 00 

170,666 $631,016,666 00 

Policies issued during the Tear. 

Whole life, . . . 42,671 $154,032,736 00 
Endowment, . . . 9,662 39,175,928 00 
All other, .... 655 2,632,291 00 

52,988 195,840,955 00 



GQ 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies revived. 

Number. Amount. Total No. Total Amount. 

1,340 $5,585,260 00 

232 797,030 00 

16 50,670 00 

1,588 $6,432,960 00 

- 1,552,192 00 



Total, 225,242 $834,842,773 00 



Policies terminated during the Year. 

Whole life, . . . 22,558 $92,320,860 00 
Endowment, . . . 4,444 18,169,162 00 
All other, .... 415 3,690,278 00 





27,417 $114,180,300 00 






How terminated. 




By death, . 


. 2,090 


$8,223,600 00 




maturity, 


289 


841,912 00 




expiry, . 


128 


781,500 00 




surrender, ■ . 


. 3,895 


15,867,458 00 




lapse, . 


. 13,611 


47,993,903 00 




Not taken, . 


. 7,404 


40,471,927 00 








27,417 


114,180,300 



Policies in force Bee. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



168,724 $610,153,898 00 

27,009 100,942,245 00 

2,092 3,526,430 00 

6,039,900 00 



197,825 $720,662,473 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

United States bonds, $5,162 00 

Mercantile Trust Company stock, . . . 15,000 00 

Missouri Pacific R.R. bonds, .... 209,581 00 

Oregon Short Line R.R. bonds, . . . 102,000 00 

Iron Mountain R.R. bonds, .... 24,570 00 

Cleveland, Cin , Chicago & St. L. R.R. stock, . 9,200 00 

Rome, Watertown & Ogdensburg R.R stock, 13,000 00 

Western Union Telegraph stock, . . . 15,225 00 

Rio Grande Western R.R. bonds, . . . 255,000 00 

Chicago, St. Louis & Paducah R.R. bonds, . 3,000 00 

Oregon Short Line & U. Northern R.R. bonds, 301,150 00 



Amount loaned. 

§5,000 00 
5,000 00 

I 260,000 00 

] 

> 50,000 00 
J 

I 200,000 00 
250,000 00 



1890.] 



OF OTHER STATES. 



67 



Standard Oil Trust stock, .... 

Western National Bank stock, . 

Northwest Equipment Company stock, . 

Southern & Northern Alabama R R. bonds, 

Ohio & Mississippi R.R. bonds, 

Chesapeake & Ohio R.R. bonds, 

Chicago, St. Louis & New Orleans R.R. bonds 

International & Great Northern R.R. bonds, 

Pensacola & Atlantic R.R. bonds, 

Manitoba R R. bonds, 

Norfolk & Western R R. bonds, 

Ohio & Mississippi R.R. bonds, 

St. Paul bonds, .... 

Bluff Point bonds, 

Scioto Valley & N. E. R.R. bonds, 

Oregon Railway & Navigation Co. bonds 

Texas & Pacific R.R. bonds, 

W T estern New York & Penn. R.R. bonds, 

St. Jo. & Grand Island R.R. bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Chesapeake & Ohio R.R. bonds, 

Union Pacific R.R. bonds, . 

Atlantic & Pacific R.R. bonds, . 

Savannah & Western R.R. bonds, 

Union Pacific R.R. bonds, 

New York, Chicago & St. Louis R.R. bonds 

Houston & Texas certificates, . 

Nashville, Chattanooga & St. Louis R.R. bonds 

Hannibal & St. Jo. R.R. bonds, 

Kansas Pacific R.R. bonds, 

Richmond Terminal R.R. bonds, 

Milwaukee, L. S. & Western R.R. stock, 

Rome, Watertown & Ogdensburg R.R. stock 

Long Island R.R. stock, . 

Missouri Pacific R.R. stock, 

New Jersey Central R R bonds, 

Missouri Pacific R.R bonds, 

Richmond Terminal R.R stock, 

Northern Pacific R.R stock, . 

Chicago, Rock Island & Pacific R.R. stock, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Manhattan R.R. bonds, 

Missouri Pacific R.R. bonds, 

LeRoy & Caney Valley R.R. bonds, 

Kentucky Central R.R. bonds, . 

Wisconsin Central R R. bonds, . 

Omaha city bonds, . 



150,000 00 



Market value. Amount loaned. 

$340,000 00 f 200,000 00 
130,000 00 
50,000 00 
540,000 00^ 
57,250 00 
40,800 00 
53,580 00 
116,000 00 
58,710 00 
61,150 00 J- 
142,500 00 
36,000 00 
12,300 00 
76,800 00 
52,500 00 
11,100 00 
8,550 00 >! 
9,000 00 
9,700 00 
3,735 00 
2,865 00 
1,145 00 
725 00 
880 00 
715 00 
8,145 00 
12,100 00 
6,375 00 J 
5,700 00 1 
5,500 00 
15,686 00 
19,500 00 
10,000 00 
8,500 00 
12,150 00 
2,180 00 
4,569 00 
6,725 00 
6,400 00 
7,025 00 
4,000 00 
17,842 00 J 
270,000 001 
137,062 00 ! 



} 50,000 00 



y 100,000 oo 



90,000 00 ,• 
160,000 00 j 
108,780 00 
117,150 00 



500,000 00 

84,878 75 
100,000 00 



08 



LIFE INSURANCE COMPANIES [Dec. 31, 



Wabash R.R bonds, . 

Manhattan R It. bonds, 

Rock Island R.R. bonds, . 

Chesapeake & Ohio R.R. bonds, 

Colorado Midland R.R. bonds, . 

Western Union Telegraph stock, 

Missouri Pacific R.R. stock, 

Iron Mountain R.R. bonds, 

Laclede Gas Company bonds, . 

Consolidated Gas stock, . 

Chicago & East Illinois R.R. bonds, 

Northwest R R. bonds, 

Louisville & Nashville R.R. bonds, 

Atchison, Topeka & Sauta Fe R.R. stock, 

Reading R.R. stock, . 

Seventh National Bank stock, . 

Laclede Gas stock, . 

Denver & Rio Grande R.R. stock, 

Silver certificates, 

Canada Southern R.R. bonds, . 

Gold certificates, 

Western Union Telegraph stock, 

St. Paul R.R. stock, . 

Chicago, Burlington & Quincy R.R. bonds, 

Missouri, Kansas & Texas R.R. bonds, 

Chesapeake & Ohio R.R. bonds, 

New York Elevated R.R. bonds, 

Syracuse & Binghaniton R.R. bonds , 

Jersey Central R.R. bonds, 

St. Paul Terminal R.R. bonds, . 

Western Union Telegraph stock, 

Northern Pacific R.R. stock, 

Cleveland, Cin., Chicago & St. L. R.R. stock, 

Manhattan R.R. stock, .... 

Missouri, Kansas & Texas R.R. bonds, . 

Missouri Pacific R.R. stock, 

Pullman Car Company stock, . 

St. Louis, Arkansas & Texas R R. bonds, 

St. Louis, A. & T. C. Trust Invest, certificates 

Western National Bank stock, . 

Northwest Equipment Company stock, . 

Morris & Essex R.R. stock, 

Mercantile Trust Company stock, . 

Cairo & Fulton R.R. bonds, 

St. Louis & Iron Mountain R.R. bonds, . 

Western National Bank stock, . 



Market value. 

$32,850 00 ^ 
45,000 00 I 
35,820 00 j» 
98,365 00 I 
31,800 00 J 
45,675 00 n 
36,450 00 > 
41,860 00 ) 
32,287 00^ 
47,500 00 
14,250 00 
5,175 00 
3,150 00 
2,875 00 
3,225 00 
7,000 00 
6,200 00 
5,700 00 J 
118,085 00 
1,900 00 ^ 
10,000 00 i 
38,063 00 j 
10,450 00 j 
24,781 00^ 
3,712 00 ; 
9,550 00 
2,300 00 
1,300 00 
16,350 00 J. 
16,000 00 
22,913 00 
12,800 00 
5,925 00 
9,625 00 J 
22,275 00^ 
18,225 00 | 
18,300 00 [ 
5,460 00 j 
2,340 00 J 
50,000 00 ) 
20,000 00 S 
7,200 00 
15,000 00 
5,062 00 
5,150 00 
10,000 00 



Amount loaned. 



$200,000 00 



100,000 00 



). 100,000 00 



100,000 00 
50,000 00 



100,000 00 



50,000 00 

60,000 00 

10,000 00 

7,500 00 
6,000 00 



$4,782,230 00 $3,738,378 75 



1890.] 



OF OTHER STATES. 



69 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $896,470 00 $884,0o0 00 

Pennsylvania Railroad bonds, . . . . 1,019,940 00 1,060,000 00 

West Shore Railroad bonds, .... 1,482,172 00 1,504,600 00 

Western Union Railroad bonds, . . . 2,012,823 00 2,062,000 00 

Erie Railroad bonds, 2,890,622 00 2,934,570 00 

Albany & Susquehanna R.R. bonds, . . 1,157,500 00 1,172,500 00 

Hannibal & St. Joseph R.R. bonds, . . . 579,482 00 570,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 1,812,711 00 1,637,870 00 

Northwest Railroad bonds, .... 3,162,91900 3,291,71000 

Fremont, Elkhorn & Mt. Vernon R.R. bonds, . 610,010 00 600,000 00 

St Paul, Chicago & Pacific Railroad bonds, . 355,544 00 392,980 00 

St. Paul, Wisconsin & Minnesota R.R. bonds, . 98,014 00 100,000 00 

St Paul, Dubuque Division, Railroad bonds, . 169,395 00 172,500 00 

St. Paul, Mineral Point Division, R.R. bonds, . 54,065 00 55,000 00 

St, Paul Railroad bonds, 395,636 00 369,000 00 

St. Paul, La Crosse &DavenptDiv., R.R. bonds, 203,406 00 203,940 00 

St. Paul Railroad bonds, 276,785 00 264,000 00 

Fargo & Southern Railroad bonds, , . . 281,250 00 300,000 00 

Manitoba Railroad bonds, .... 811,79500 842,00000 

Omaha Railroad bonds, 257,63100 289,375 00 

Kansas City & Northern Railroad bonds, . 124,300 00 122,040 00 

Missouri Pacific Railroad bonds, . . . 712,892 00 730,000 00 

Pacific of Missouri Railroad bonds, . . . 243,305 00 237,500 00 

International & Great Northern R.R bonds, . 277,500 00 290,000 00 

Iron Mountain Railroad bonds, . . . 838,675 00 883,610 00 

Cairo & Fulton Railroad bonds, . . . 441,994 00 437,400 00 

Morris & Essex Railroad bonds, . . . 564,556 00 615,375 00 

Rock Island Railroad bonds, . . . . 1,303,751 00 1,202,955 00 

Cleveland, Col., Cin. & Ind. R.R. bonds, . . 598,250 00 635,000 00 

Pittsburgh & Lake Erie Railroad bonds, . . 210,000 00 210,000 00 

Watertown & Rome Railroad bonds, . . 438,585 00 492,886 00 

Chicago, St. Louis & New Orleans R R. bonds, 490,000 00 475,000 00 

Central Park, North & East Rivers R R. bonds, 57,500 00 59,500 00 

Indianapolis & St. Louis Railroad bonds, . 171,625 00 177,000 00 

Alton & Terre Haute Railroad bonds, . . 187,200 00 190,965 00 

South Ferry Railroad bonds, .... 105,000 00 106,250 00 

Cincinnati, Ind., St. Louis & Chicago R.R. bonds, 487,500 00 485,000 00 

Peoria & Pekin Union Railroad bonds, . . 134,903 00 151,200 00 

Cedar Falls & Minnesota Railroad bonds, . 129,912 00 97,750 00 

Minneapolis & St. Louis Railroad bonds, . 110,000 00 80,000 00 

New York, Lackawanna & Western R.R. bonds, 69,123 00 75,600 00 

New York Central Railroad bonds, . . . 108,995 00 108,000 00 

New York, Chicago & St. Louis R.R. bonds, . 447,954 00 452,500 00 

Chesapeake & Ohio Railroad bonds, . . 693,777 00 668,500 00 

Beech Creek Railroad bonds, .... 134,252 00 142,500 00 



70 



LIFE INSUBANCE COMPANIES [Dec. 31, 



Oregon Kail way & Navigation Co. bonds, 

Texas & Pacific Railroad bonds, 

Missouri, Kansas & Texas Railroad bonds, 

Brooklyn City & Newtown Railroad bonds, 

Virginia State bonds, 

Mississippi State bonds, 

Elizabeth city bonds, 

Louisville city bonds, 

St. Louis city bonds, . 

Newark city bonds, . 

Kearney city bonds, . 

Toronto city bonds, . 

Montreal city bonds, 

Laclede Gas Light Co. bonds, 

Standard Gas Co. bonds, . 

Wurtemberg government bonds, 

Hungarian government rentes, 

Swedish government bonds, 

Cape of Good Hope government bonds, 

Swiss government bonds, 

German government bonds, 

Brazilian government bonds, 

Italian government rentes, 

Russian government bonds, 

Bank of America stock, . 

Western National Bank stock, 

Laclede Gas stock, . 

Pennsylvania Railroad stock, 

Chicago, Rock Island & Pacific Railroad stock, 

Delaware, Lackawanna & Western R.R. stock, 

Mercantile Trust Company stock, . 

Western Union Telegraph stock, 

Chicago, St. Paul, Minn. & Omaha R.R. stock 

New York, Lake Erie & Western R.R. stock, 

Consolidated Gas stock, .... 

Missouri Pacific Railroad stock, 

Chicago & Northwestern Railroad stock, 

Lake Shore & Michigan Southern R.R. stock 

Cleveland, Cin., Chic. & St. Louis R.R. stock 

Michigan Central Railroad stock, . 

Manhattan Railway stock, 

Chicago, Burlington & Quincy Railroad stock 

Louisville & Nashville Railroad stock, . 

Missouri, Kansas & Texas Railroad stock, 

Rio Janeiro deposits, 

Madrid, 

Buenos Ayres, . 

Chili, .... 



Cost value. 

5,000 00 

185,432 00 
609,623 00 
400,000 00 
11,371 00 
10,000 00 
311,850 00 
286,500 00 
107,625 00 
267,500 00 
10,000 00 
286,890 00 
194,750 00 
232,252 00 
237,500 00 
72,718 85 
92,300 00 
93,914 35 
51,847 00 
19,231 00 
24,368 00 
111,884 00 
139,197 00 
256,783 00 
8,597 00 
281,397 37 
34,212 50 
254,159 00 
934,007 25 
728,8U8 50 
2,078,880 00 
1,110,713 50 
688,981 50 
236,687 00 
237,464 00 
520,010 00 
1,404,908 00 
1,112,376 00 
1,372,394 00 
242,264 00 
462,703 50 
U5,909 00 
333,219 00 
32,084 14 
10,417 00 
32,831 00 
46,536 00 
256,257 00 



Market value. 

$237,500 00 

171,000 00 
665,16s 00 
410,000 00 

11,371 00 

10,000 00 
311,850 00 
306.00" 00 
lis. 000 00 
295,000 00 

10,000 00 
292.730 00 
196.017 00 
216,563 00 
250.000 00 

71.149 00 

90,289 00 

52 A 2' 

19,231 00 

23,339 00 

102,557 00 

139,805 00 

289,892 00 

8,815 00 

300,300 00 

31,000 00 

229,286 00 

5 00 

2,187 00 

3,897,900 00 

1,047,937 00 

557,600 00 

180,250 00 

247,000 00 

463,125 00 

1,365,000 00 

1,160,250 00 

1,312,975 00 

231.250 00 

437,625 00 

134.625 00 

329,625 00 

25,545 00 

10.417 00 

32,831 00 

4<}.oo6 00 

256.257 00 



1890.] 



OF OTHER STATES. 



71 



Cape Town, 

Paris, .... 

Mexico, .... 

London, .... 

Australia and New Zealand, 

Amsterdam, 

Milan, .... 



Cost value. 

$13,027 00 

59,000 00 

141,511 00 

118,922 00 



Market value. 

$13,027 00 

59,000 00 

141,511 00 

118,922 00 



1,366,354 00 1,366,354 00 
10,481 00 10,481 00 
82,131 00 82,131 00 



^46,275,587 46 $±7,683,076 00 



THE GERMANIA LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 
Paid-up Capital, $200,000. 



Hugo Wesendonck, President. 

Income. 

New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for policy fees, .... 



Hubert Cillts, Secretary. 



$353,709 68 

2,053,511 45 

11,296 05 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 



Total, 



Disbursements. 
Cash paid for losses and additions, . 
Cash paid for matured endowments and additions, 



$2,418,517 18 

' 6,666 76 

$2,411,850 42 

675,556 34 

1,850 78 

70,446 07 

1,882 48 

$3,161,586 09 

14,090,543 21 

$17,252,129 30 



$897,598 55 
268,860 27 



Gross amount paid for losses and endowments, . . $1,166,458 82 

Cash paid to annuitants, 20,142 55 

Cash paid for surrendered policies, 151,948 69 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 9,092 08 

Cash dividends paid policy-holders applied in payment of 

premiums, 220,873 66 



Total paid policy-holders, . 



. $1,568,515 80 



72 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising and printing, . 

for incidentals, 

for profit and loss account, 

Total disbursements, 



Balance, 



$24,000 00 

324,543 39 

58,069 89 

22,119 51 

70,392 13 

16,590 20 

10,000 00 

3,042 22 

8,388 58 

9,459 71 

33,768 54 

1,437 50 

. $2,150,327 47 

115,101,801 83 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office (and in transit since received) 

Cash deposited in bank, 

Insurance scrip, 



Ledger assets (as per balance) , 



$1,760,351 27 

8,182,726 27 

50,000 00 

263,574 00 

4,641,361 33 

82,862 00 

120,816 96 

110 00 

$15,101,801 83 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 
Deduct special deposits in other States, . 

Balance, 



$156,194 89 
309,298 52 

$465,493 41 
93,098 68 



96,185 75 

7,500 00 

101,811 99 

57,016 52 



372,394 73 



$15,736,710 82 
. 1,020,802 00 

$14,715,908 82 



1890.] OF OTHER STATES. 73 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $14,473,094 00 
Deduct net value of re-insured risks, 4,945 00 



Net re-insurance reserve, $14,468,149 00 

Death losses due and unpaid, .... $ 394 26 

Matured endowments due and unpaid, . . 5,377 50 
Death losses and matured endowments in 

process of adjustment, 111,453 79 

Claims resisted by the company, . . . 5,000 00 

Total policy claims 122,225 55 

Unpaid dividends of surplus due policy-holders, . . . 56,064 73 

Extra reserve for lapsed, war and other policies, . . . 53,992 33 



Liabilities as to policy-holders, $14,700,431 61 

Deduct liabilities on special deposits, . . . . . 972,510 00 



$13,727,921 61 
Surplus as regards special policy-holders, . $29,405 94 
Surplus as regards other policy-holders, . . 958,581 27 



Gross surplus, $987,987 21 

Paid-up capital, 200,000 00 

Surplus over capital, 787,987 21 



Gross liabilities, . . . . . ... f 14,715,908 82 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 



Whole life, 
Endowment, 
All other, . 


. 11,921 
. 17,964 
. 417 


$22,280,763 00 

29,642,674 00 

1,328,230 00 

30 30° 


$53,251,667 00 

9,901,406 00 

6,568 00 

• 28,735 00 

79,007 00 


Whole life, 
Endowment, 
All other, . 


Policies issued 

986 

. 4,101 

79 


during the Year. 

$2,599,150 00 

7,067,327 00 

234,929 00 


Endowment policie 
W T hole life policies 
Additions by divide 


s revived, . 
increased, . 
;nds, . 


O , I u o 

5 

7 


Total, . 




$63,267,383 00 



74 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 





Number. 


Amount. Total No. 


Total Amount. 


"Whole life, 


835 


$1,856,176 00 




Endowment, 


. 1,959 


3,753,351 00 




All other, . 


95 


335,614 00 






2,889 


$5,945,141 00 






How terminated. 




By death, . 


491 


$907,168 00 




maturity, 


206 


264,264 00 




expiry, . 


31 


37,298 00 




surrender, . 


427 


821,957 00 




lapse, . 


. 1,000 


2,067,554 00 




change and decrea 


se, . 38 


262,136 00 




Not taken, . 


696 


1,584,764 00 








2,889 


$5,945,141 00 



Whole life, 
Endowment, 
* All other, . 



Policies in force Dec. 32, 1890. 
. 12,079 $23,104,054 00 



20,111 32,990,643 00 
401 1,227,545 00 



Industrial policies in force, 



32,591 $57,322,242 00 
7,812 905,378 00 



Pullman Palace Car Company stock, 
Western Union Telegraph Company stock, 



Schedule A. 
Securities held as Collateral. 

Market value. 

".,500 00 
15,275 00 



Amount loaned. 



$50,000 00 



Schedule B. 

Stocks and Bonds owned py the Company. 

Cost. Market value. 

United States bonds, $111,694 14 f 181,110 00 

Virginia State bonds 13,027 55 17,216 00 

City of Lexington, Ky., bonds, .... 46,125 00 46,125 00 

Newark, N J , city bonds, .... 49,450 00 47,950 00 

Dominion of Canada bonds, .... 52,625 00 52,500 00 

Austrian government bonds, .... 133,221 62n 

Bavarian government bonds, .... 10,392 60 S 168,886 23 

Swiss government bonds, 19,358 69 ) 

Atchison, Topeka & Santa Fe Railroad bonds, 34,066 73 31,778 12 

Chicago & St. Louis Railroad bonds, . . 23,500 00 23,000 00 

Atlantic Avenue Railroad bonds, . . . 26,187 50 26,625 00 

Baltimore & Ohio Railroad bonds, . . . 84,780 00 87,640 00 

Brooklyn Elevated Railroad bonds, . . . 52,375 00 53,000 00 

Central Ohio Railroad bonds, .... 25,562 50 25,000 00 

Central Park, North & East Rivers R.R. bonds, 48,605 00 47,600 00 



1890.] 



OF OTHER STATES. 



75 



Chicago & Alton Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, Rock Island & Pacific Railway bonds 

Chicago, St. Louis & Pittsburg Railroad bonds 

Chic, St. Paul, Minneap. & Omaha R R. bonds 

Cincinnati, Sandusky & Cleveland R.R. bonds 

Cleveland, Cin., Chic. & St. Louis R'y bonds, 

Columbus, Hocking Valley & Tol. R.R bonds 

Dayton & Michigan Railroad bonds, 

Dayton & Western Railroad bonds, . 

Delaware & Hudson Canal Company bonds, 

East Tenn., Va. & Georgia R"y Co. bonds, 

Elizabethtown, Lex. & Big Sandy R.R. bonds 

Flint & Pere Marquette Railroad bonds, . 

Galvest., Harrisb. & St. Antonio R.R. bonds, 

Grand Rapids & Indiana Railroad bonds, 

Hannibal & St. Joseph Railroad bonds, . 

Illinois Central Railroad bonds, 

Kentucky Union Railway Conipanj" bonds, 

Kings County Elevated Railway bonds, . 

Fulton Elevated Railway bonds, 

Lake Erie & Western Railroad bonds, 

Lake Shore & Michigan Southern R R bonds 

Long Island Railroad bonds, . 

Michigan Central Railroad bonds, . 

Milwaukee, Lake Shore & Western R'y bonds 

Minneapolis & St. Louis Railroad bonds, 

Missouri Pacific Railroad bonds, 

New York Central & Hudson River R.R. bonds 

New York, Lake Erie & Western R R. bonds 

Northern Pacific Railroad bonds, 

North Hudson County Railroad bonds, . 

Ohio & Mississippi Railway bonds, . 

Philadelphia & Reading R.R. bonds, 

Rio Grande Western R.R. bonds, 

St. Joseph & Grand Island R.R. bonds, . 

St. Paul, Minneapolis & Manitoba R.R. bonds 

Second Avenue R R. bonds, 

Syracuse Con sol. Street Railway bonds, . 

Terre Haute & Indianapolis R.R. bonds, . 

Texas & Pacific R.R. bonds, 

Third Avenue R.R. bonds, 

Ulster & Delaware R R. bonds, 

Wabash Railroad bonds, .... 

42d St., Manhattan & St Nich. A v. R R. stock 



Cost. 

5,577 50 

31,012 50 

172,692 50 

398,003 75 

73,615 00 

59,780 00 

248,672 50 

43,050 00 

39,250 00 

58,190 00 

20,900 00 

5,525 00 

167,187 50 

36,225 00 

42,600 00 

29,750 00 

46,500 00 

20,040 00 

17,531 25 

135,070 00 

47,875 00 

25,000 00 

25,000 00 

50,000 00 

120,450 00 

91,091 25 

124,196 25 

49,750 00 

56,910 00 

103,970 00 

193,887 50 

271,612 50 

150,312 50 

50,750 00 

24,150 00 

125,700 00 

112,250 00 

32,250 00 

196,100 00 

26,125 00 

49,000 00 

23,462 50 

45,875 00 

26,875 00 

49,875 00 

102,750 00 



Market value. 

$81,440 00 
29,000 00 

165,780 00 

421,820 00 
68,880 00 
56,840 00 

249,950 00 
44,940 00 
38,100 00 
55,670 00 
21,000 00 
5,600 00 

178,000 00 
34,500 00 
35,800 00 
29,500 00 
36,400 00 
17,920 00 
17,212 50 

129,685 00 
47,500 00 
25,500 00 
24,500 00 
54,000 00 

123,000 00 
95,150 00 

122,890 00 
49,625 00 
42,000 00 
98,220 00 

193,500 00 

281,160 00 

147,750 00 
50,750 00 
24,150 00 

124,200 00 

112,875 00 
29,100 00 

206,300 00 
26,000 00 
48,750 00 
23,965 00 
42,500 00 
28,750 00 
49,875 00 
98,000 00 
1,900 00 



$4,641,361 33 $1,698,377 85 



76 



LIFE INSURANCE COMPANIES [Dec. 31, 



"HOME LIFE INSURANCE COMPANY," NEW YORK, X. Y. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 

Paid-up Capital, $125,000. 

Charles A. Townsend, President. George E. Ide, Secretary. 



Income 

New premiums without deductions, 
Renewal premiums, .... 
Cash received for annuities, 



Total, 

Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, 

Total income, 

Net or ledger assets Dec. 31, 1889, . 



Total, 



Disbursements. 



Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders applied in payment of 

premiums, . 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent 

for advertising, 

for incidentals, 



Total disbursements, 
Balance, 



$235,920 15 

\375 70 

6,825 26 

SI, 'i(il,621 11 

330,324 50 

9,194 04 

7,000 00 

11^48,139 65 

6,343,921 73 

£7,692,061 38 



$353,924 19 
14,263 35 

57/»19 56 
4,147 17 

$429,354 27 

3,021 88 

55,776 21 

29,289 48 

73.X93 95 
66,474 47 

$657,810 29 

15,000 00 

168,084 34 

35.202 23 

14,098 85 

41,699 87 

9,911 50 

7,200 00 

7.:»79 43 

11,196 04 

$958,212 55 



i, 733,848 83 



1890.] 



OF OTHER STATES. 



77 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance) , 



$168,300 00 

1,485,050 00 

1,151,858 81 

63,370 65 

581,193 84 

3,184,538 97 

1,699 06 

80,388 76 

17,448 74 

£6,733,848 83 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$228,548 33 

45,515 72 

$274,064 05 

54,812 81 



32,444 24 

1,536 37 

239,317 53 



219,251 24 



. $7,226,398 21 



Items not admitted. 



Agents' balances, 

Total admitted assets, 



17,448 74 



. $7,208,949 47 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Death losses in process of adjustment, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 



. $5,674,829 00 

7,147 00 

17,999 14 

2,463 34 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, 



. $5,702,438 48 



. $1,506,510 99 



125,000 00 
. 1,381,510 99 



Gross liabilities, 



. $7,208,949 47 



78 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . §585,825 19 

Premium notes received during 1890, . . 138,493 13 

Total, £724,318 32 

Used in payment of losses and claims, . . $18,410 52 

Used in payment of surrendered policies and 

voided by lapse, 29,289 48 

Used in payment of dividends to policy- 
holders, 66,474 47 

Redeemed by maker in cash, .... 28,950 01 

Total, 140,124 48 

Balance note assets Dec. 31, 1890, $58 1,193 84 



Whole life, 
Endowment, 
Annuities, . 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

. 10,151 $20,662,175 00 
. 2,963 5,216,996 00 
8 
13,122 $25,879,171 00 



Whole life, 
Endowment, 
Annuities, . 



Policies issued during the Year. 
. 2,941 86,591,211 00 
383 657,271 00 

25 



3,349 7,248,482 00 



Whole life, . 
Endowment, 



Old Policies revived. 

16 $41,500 00 

28 42,500 00 



44 



84,000 00 



Whole life, 
Endowment, 

Additions by dividends, . 



Old Policies increased. 

§ 14,000 00 
500 00 



14,500 00 
44,329 00 



Total, 16,515 §33,270,482 00 

Policies teiininated during the Year. 

Whole life, . . . 1,570 $3,567,005 00 
Endowment, . . . 411 675,839 00 

Annuities, 2 - 



1,983 §4,242,844 00 



1890.] 



OF OTHER STATES. 



79 







How terminated. 








Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. 


193 


$368,187 00 




maturity, 


. 


42 


61,167 00 




surrender, 


• 


656 


1,476,935 00 




lapse, . 


. 


587 


1,110,000 00 




change and deer 


ease, 


- 


95,605 00 




Not taken, . 


• 


505 


1,130,950 00 

1,983 


$4,242,844 00 



Whole life, 
Endowment, 
Annuities, . 



Policies in force Dec. 31, 1890. 

. 11,538 $23,741,880 00 
. 2,963 5,285,758 00 
31 



14,532 $29,027,638 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Union Trust Company, N. Y., stock, . . $145,360 00 

Manhattan Life Insurance Co., N. Y , stock, 

Phoenix Insurance Co., Brooklyn, N. Y., stock 

Munic Elec Light Co , Brooklyn, N. Y., stock 

Dry Dock, East BVay & Battery R.R. stock, 

Nassau National Bank, Brooklyn, N. Y., stock 

Brooklyn Bank, Brooklyn, N. Y., stock, . 

Title Guar. & Trust Co., Brooklyn, N. Y , stock 

Long Island Bank, Brooklyn, N. Y., stock, 

Standard Oil Trust stock, .... 

Flatbush Water Works, N. Y., bond, 

Washington Trust Company stock, . 

Equitable Gas Company stock, 

American Exchange Nat'l Bank, N. Y., stock 

Consolidated Gas Company, N. Y., stock, 

Standard Eire Insurance Co , N. Y , stock, 

Manhattan Elevated Railway Co., N. Y , stock 

Ohio Southern Railroad stock, . 

Ohio Southern Railroad bonds, 

Continental Insurance Company stock, 

Metropolitan Trust Company stock, 

Central Trust Company stock, 

Central & South American Tel. Co stock, 

American Speaking Telephone Company stock 

Central Trust Company stock, . 

United States Trust Company stock, 

Brooklyn Trust Company stock, 

Franklin Trust Company stock, 

Atlantic Trust Company stock, 

Guyandot Coal Land Association stock, 

Chicago June. R.R. & Union Stock Yards stock 



Amount loaned. 

$45,000 00 
200 00 



2,000 00 
1,330 00 ' 
2,480 00 
2,500 00 
5,400 00 
3,220 00 
2,240 00 } 
2,250 00 
4,650 00 
1,090 00 
1,750 00 
3,500 00 
6,750 00 
5,760 00 
1,000 00 
9,500 00 
1,500 00 
10,800 00 
2,760 00 
13,750 00 
27,500 00 
3,640 00 
2,850 00 
5,500 00 
7,900 00 
12,000 00 
27,000 00 
20,000 00 
6,000 00 
5,750 00 



4,200 00 
4,000 00 
8,000 00 
4,958 81 
2,000 00 

35,000 00 



)> 60,000 00 



80 



LIFE INSURANCE COMPANIES [Dec. 31, 



Fidelity Loan & Trust Company bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds, 
Cleveland, Cin., Chicago & St. Louis R.R. stock 
Toledo & Ohio Central Railroad stock, . 
Chicago & East. Illinois Railroad stock, . 
Cleveland, Cin., Chicago & St. Louis R.R. stock 
New York, New Haven & Hartford R.R. stock 
St. Paul & Sioux City Railroad bonds, 
Prescott & Arizona bonds, 
Scioto Valley & Xew England bonds, 
Syracuse Consolidated Street Railway bonds, 
Pittsburgh, Painsville & Fairport R.R. bonds, 
New Haven & Derby bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Chicago & East. Illinois Railroad stock, . 
Cleveland, Cin , Chicago & St. Louis R.R. stock 
Milwaukee, Lake Shore & Western R.R. stock 
Y\ estern Union Telegraph Company stock, 
Knoxville & Ohio Railroad bonds, . 
Lake Erie & Western Railroad stock, 
Oregon Railway and Navigation Co. bonds, 
New York Elevated Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Peoria & Eastern Railway bonds, 
Missouri Pacific Railroad stock, 
Chicago & Eastern Illinois Railroad stock, 
Missouri, Kansas & Texas Railroad bonds, 
Richmond & West Point Terminal R.R. stock 
Consolidated Gas stock, .... 
Wabash preferred stock, .... 
Texas & Pacific Railroad bonds, 
Chase National Bank stock, 
Central Railroad of New Jersey stock, . 
Richmond & West Point Terminal Co. stock, 
Louisville & Nashville Railroad stock, . 
Norfolk & Western Railroad stock, . 
Erie preferred stock, ..... 

Chase National Bank stock, 
Knoxville & Ohio Railroad bonds, . 
Central Railroad of New Jersey stock, . 
Great Northern Railroad stock, 
Richmond & West Point Terminal Co. stock, 
Pacific Mail Steamship Company stock, . 
Philadelphia & Reading Railroad stock, . 
Western Union Telegraph Company stock, 
Missouri, Kansas & Texas Railroad bonds, 
Lake Erie & Western Railroad stock, 



Market value. 

$3,000 00 
2,500 00^ 
6,000 00 
8,000 00 
16,000 00 
5,520 00 
25,200 00 J 
30,000 001 
9,500 00 
25,200 00 
31,360 00 
9,500 00 
21,000 00 J 
46,500 00 ) 
16,000 00 
24,000 00 
21,400 00 J> 
7,650 00 
10,100 00 
5,500 00 j 
13,800 00 ^ 
1,140 00 
1,100 00 
1,500 00 
6,000 00 
8,000 00 , 
3,800 00 
13,400 00 
38,000 00 
3,400 00 J 
3,520 00 
30,000 00 
54,000 00 
9,600 00 J. 
14,600 00 
10,600 00 
5,100 00 J 
65,400 00^ 
3,060 00 
54,000 00 
36,500 00 
8,000 00 
9,900 00 
9,600 00 
7,650 00 
3,800 00 
2,750 00 J 



Amount loaned. 

$2,500 00 



► 50,000 00 



}> 100,000 00 



100,000 00 



}> 75,000 00 



100,000 00 



150,000 00 



1890.] 



OF OTHER STATES. 



81 



Atchison, Topeka & Santa Fe Railroad stock, 
New York, Lake Erie & Western R.R. bonds, 
Houston & Texas Railroad general bonds, 

Standard Gas stock, 

Wabash, St. Louis & Pacific Railroad stock, 
Wabash Railroad bonds, .... 
New York, Chicago & St. Louis R.R. stock, 
Wabash Railroad stock, .... 
Philadelphia & Reading Railroad bonds, . 
New York, Chicago & St. Louis RR. stock, 
Philadelphia & Reading Railroad bonds, . 
Missouri Pacific Railroad stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Missouri, Kansas & Texas R.R. certT s stock, 
Missouri Pacific Railroad bonds, 
Chicago & Northern Railroad Pacific bonds, 
National India Rubber Co. of Providence stock, 
Edison Electrical Illuminating Company stock, 
New York, Chicago & St. Louis R.R. stock, 
Brooklyn Water Front, W. & Dry D. Co. bds., 
Kings County Water Supply Company bonds, 
Union Gas Light Company bonds, . 
Tacoma Land Company stock, . 
Chicago & Erie Railroad bonds, 
Rocky Fork Railway & Coal Trust stock, 



Market value. Amount loaned. 

f 30,000 00 

9,000 00 

16,200 00 

60,000 00 

39,000 00 

18,100 00 

9,600 00 

42,000 00 

10,200 00 

11,400 00 

8,100 00 

6,200 00 

7,100 00 } $388,000 00 

79,000 00 

101,000 00 

20,000 00 

10,000 00 

4,400 00 

4,400 00 

4,000 00 

4,000 00 

4,000 00 

47,000 00 

93,900 00 

8,000 00 



.,736,480 00 $1,151,858 81 



Schedule B. 
Stocks and Bonds owned by the 



United States bonds, 

Brooklyn city bonds, 

Erie Railroad bonds, 

New York, Chicago & St. Louis R.R. bonds, 
New York, Lack. & Western R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Morris & Essex Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Oswego & Syracuse Railroad bonds, 
Fidelity Loan & Trust Company bonds, . 
Jefferson Railroad bonds, .... 
Delaware & Hudson Railroad bonds, 
Monmouth Company, N. J., school bonds, 
Central Trust Company stock, . 
American Exchange National Bank stock, 
National Bank of Commerce stock, . 



Company. 

Cost. 

$1,280,433 72 

329,572 50 

109,083 75 

221,412 50 

97,500 00 

241,925 00 

267,967 50 

281,400 00 

38,950 00 

50,000 00 

102,500 00 

64,910 00 

12,786 00 

29,500 00 

22,512 25 

34,085 75 



Market value. 

.,322,500 00 

508,400 00 

106,390 00 

194,880 00 

100,000 00 

241,925 00 

267,967 50 

281,400 00 

38,950 00 

50,000 00 

102,500 00 

64,910 00 

12,786 00 

75,000 00 

22,162 25 

34,085 75 



1,184,538 97 $3,423,856 50 



82 



LIFE INSURANCE COMPANIES [Dec. 31, 



"MANHATTAN LIFE INSURANCE COMPANY," NEW YORK, X. V. 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 
Paid-up Capital, $100,000. 



Henry B. Stokes, Presidc?ii. 

Income. 
New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 

Total, 

Deduct amount paid for re-insurance, 



Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, 

Total income, 

Net or ledger assets Dec. 31, 1889, . 



William C. Frazee, Secretary, 



1495,648 16 

1,491,742 46 

2,845 00 



Total, 



$1,990,235 62 
607 22 

$1,989,628 40 

502,018 94 

1,734 21 

4,575 04 

149,273 49 

12,707,230 08 

11,089,488 14 

§13,796,718 22 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered pol 

icies, and voided by lapse, 

Cash surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 
premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 



$836,154 49 

41,210 95 

64,231 22 

2,355 78 

1943,952 44 

3,076 23 
251,330 03 

36,259 04 

120,583 32 

3,146 99 

§ 1,358,348 05 

16,000 00 

429,866 35 

24,559 68 

26,107 50 



1890.] 



OF OTHER STATES. 



83 



Cash paid for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, . . 

Total disbursements, 

Balance, 



$66,125 58 
23,314 96 
15,000 00 
18,312 14 
49,701 14 

. $2,027,335 40 

$11,769,382 82 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), .... 
Net am't of uncollected and deferred prem's, . 

Total assets per company's books, . 

Items not admitted. 
Deduct special deposits in other States, . 



$206,870 87 

3,689,321 08 

4,923,817 50 

808,461 81 

1,924,712 48 

3,997 00 

212,202 08 

$11,769,382 82 



112,123 42 

406 00 

90,749 13 

42,196 52 



$177,872 99 
155,630 13 

$333,503 12 
66,700 62 



Balance, 



- 266,802 50 
$12,281,660 39 

38,363 00 
$12,243,297 39 



Liabilities. 
Computed premium reserve or net present value of all out 

standing policies (actuaries" 4 per cent.), . 
Deduct net value of re-insured risks, .... 



$11,015,207 00 
783 00 



Net re-insurance reserve, 



$11,014,424 00 



84 LIFE INSURANCE COMPANIES [Dec. 31, 

Death losses and matured endowments unpaid, . . . $169,921 00 

Unpaid dividends of surplus due policy-holders, . . . 42,643 14 

Miscellaneous, 11,668 63 



Liabilities as to policy-holders, 111,238,656 77 

Deduct liabilities on special deposits, 38,363 00 



fl 1,200,293 77 
Surplus as regards policy-holders, . . . $1,043,003 62 

Paid-up capital, 100,000 00 

Surplus over capital, 943,003 62 



Gross liabilities, el 2,243,297 39 

Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $855,178 78 

Premium notes received during 1890, . . 42,434 46 

Total, $897,613 24 

Used in payment of losses and claims, . . §43,566 73 
Used in payment of surrendered policies and 

voided by lapse, 36,259 04 

Used in payment of dividends to policy-holders, 3,146 99 
Redeemed by maker in cash, ..... 6,178 67 

Total, / 89,151 43 



Balance note assets Dec. 31, 1890, $808,461 81 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 14,364 $39,508,372 00 
Endowment, . . . 2,897 8,252,850 00 
All other, .... 923 3,375,844 00 

18,184 $51,137,066 00 

Policies issued and revived during the Tear. 

Whole life, . . . 3,670 $10,580,262 00 
Endowment, ... 335 1,099,874 00 
All other, .... 402 1,282,264 00 

4,407 12,962,400 00 



Total, ......... 22,591 $64,099,466 00 

Policies terminated during the Year. 

Whole life, . . . 2,388 $ 7,178,593 00 
Endowment, ... 468 1,529,837 00 
All other, .... 269 890,282 00 

3,125 $9,598,712 00 



1890.] 



OF OTHER STATES. 



85 







How terminated. 








Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. < 


302 


$877,365 00 




maturity, 


. 


37 


66,587 00 




surrender, 


. 


274 


800,127 00 




lapse, . 


. 


1,425 


3,873,898 00 




change and deer 


ease, 


153 


678,051 00 




Not taken, . 


• 


934 


3,302,684 00 

3,125 


$9,598,712 00 



Whole life, 
Endowment, 
All other, , 



Policies in force Dec. 31, 1890. 

. 15,646 $42,910,041 00 

. 2,764 7,822,887 00 

. 1,056 3,767,826 00 

19,466 



$54,500,754 00 



Schedule A. 
Securities held as Collateral. 

Market value 

Iowa Central Railway, .... 
385 shares Iowa Central Railway, . 



200 " Western Union Telegraph Co., 

100 " Wagner Palace Car Company, 

100 " Union Trust Company, . 
1000 " Weehawken Docks, 
1000 " Mercantile Trust Company, . 

100 " Central Park, No. & East R. R'y, 
80 " Chicago & Northwestern R.R , 
20 " Union Trust Company, . 

100 " Western Union Telegraph Co., 
40 " National Citizens' Bank, 
Lehigh & Wilkesbarre Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Consumers 1 Gas Works bonds, . 
New York, Susq. & Western R.R. bonds, 
Colorado Coal and Iron Company bonds, 

68 shares N. Y., New Haven & Hart. R.R., 
200 " Henderson Bridge Company, . 
300 " Nashville, Chat, & St. Louis R.R., 
300 " Mahoning Coal Railroad, 

20 " Union Trust Company, . 
Alton & Terre Haute Railroad bonds, 
Lehigh & Wilkesbarre Railroad bonds, . 
100 shares 42d Street & Grand St. Ferry R.R 
500 " Consolidated Gas Company, . 

11 " Union Trust Company, . 
Brooklyn Water bond, .... 

United States bond, 

90 shares New York Cen. & Hudson Riv. R.R., 
25 shares Hanover National Bank, . 



$21,400 00 

6,900 00 

15,200 00 

14,000 00 

60,000 00 

100,000 00 

200,000 00 

10,000 00 

10,700 00 

12,000 00 

7,600 00 

1,800 00 

3,300 00 

3,000 00 

1,000 00 

5,600 00 

2,000 00 

17,000 00 

21,000 00 

27,600 00 

9,000 00 

12,000 00 

2,100 00 

12,100 00 

24,000 00 

47,000 00 

6,600 00 

1,000 00 

600 00 

9,000 00 

8,700 00 



Amount loaned. 

$40,062 50 

65,000 00 

48,000 00 
100,000 00 

8,000 00 



}> 43,000 00 

I 

I 

I 

J 

> 55,000 00 

10,000 00 

6,500 00 

42,000 00 



1 
j 

j> 12,000 00 
i 

J 



86 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York, Chicago & St. Louis R R. bonds, 
Wabash Railroad bonds, .... 
45 shares American Telegraph & Cable Co., 
Christopher & Tenth Streets Railroad bond, 
New York Cen. & Hudson River R.R. bond, 
Oregon Short Line Railroad bond, . 
22 shares Union Trust Company, 
Western Union Telegraph Company bond, 
St. Louis, Kansas City & Northern R.R. bond 
Oregon R'y & Navigation Company -bond, 
300 shares Wagner Palace Car Company, 
100 " Bank of the Metropolis, . 

15 " Western Union Telegraph Co., 
210 " Citizens' Fire Insurance Company 
New York, Chicago & St. Louis R.R. bonds, 
Georgia, Southern & Florida R R. bonds, . 
100 shares Union Trust Company, . 
Missouri, Kansas & Texas Railroad bonds, 
200 shares Louisville & Nashville Railroad, 
Louisville, New Albany & Chic. R.R. bonds, 
Boulder County, Colorado, bonds, . 
Gilpin County, Colorado, bonds, 
Richardson County, Nebraska, bonds, 
Union Pacific Railway bonds, . 

50 shares Citizens' Fire Insurance Company 
200 " Wagner Palace Car Company, 
100 " Adams Express Compan3 T , 
162 " Wells, Fargo & Company, 
400 " United States Express Company, 
200 " Consolidated Gas Company, . 

66 " Delaware, Lack. & Western R.R., 
145 " Citizens 1 Fire Insurance Company 
Citizens 1 Fire Ins. Co. reserve fund bond, 
6 shares Cleve , Cin., Chic. & St. Louis R.R., 
10 shares Adams Express Company, 
Louisville & Nashville Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Broadway & Seventh Avenue Railroad bonds 
Utah Southern Railroad bonds, 
Milwaukee & Madison Railroad bonds, . 
Milwaukee, Lake Shore & West. R.R. bonds, 
Northern Pacific Railroad bonds, 
200 shares Delaware & Hudson Canal Co., 
100 " Chicago, Mil. & St. Paul R.R , 
200 " Denver & Rio Grande R.R., . 
Denver & Rio Grande Railroad bonds, 
Northern Pacific Railroad bonds, 



Market value. 

$4,500 00 
24,200 00 
3,600 00^1 
1,000 00 
1,000 00 
2,000 00 
13,200 00 
1,000 00 
1,000 00 
1,100 00 J 
42,000 00 } 
35,000 00 $ 
1,140 00 
4,800 00 ) 
1,800 00 S 
29,400 00 
60,000 00 n 
15,500 00 i 
18,400 00 ) 
1,800 00 
7,630 00 ^ 
4,360 00 j> 
3,600 00 | 
2,960 00 J 
1,150 00 
28,000 00 
14,300 00 ^ 
22,600 00 i 
26,400 00 [ 
18,800 00 J 
4,300 00 
3,300 00^ 
800 00 i 
350 00 ) 
1,430 00 
10,200 00 n 
13,500 00 > 
10,300 00 ) 
1,000 00 ? 
1,100 00 S 
1,180 00 
15,000 00 
26,000 001 
10,400 00 | 
11,400 00 
16,000 00 
5,600 00 J 



Amount loaned. 

$20,000 00 



> 15,000 00 



50,000 00 

850 00 

5,000 00 

20,000 00 

60,000 00 

1,500 00 

15,000 00 

750 00 
20,000 00 

50,000 00 

1,600 00 

3,500 00 

1,000 00 

25,000 00 

1,500 00 

950 00 
12,000 00 

50,000 00 



1890.] 



OF OTHER STATES. 



87 



72 shares Fourth National Bank, . 
43 " Cleve., Cin., Chic. & St. Louis R.R., 
100 " International & Gr't Northern R.R 
500 " Central Railroad of New Jersey, 
Richmond & VV. Ft Ter. & Ware. Co. bonds, 
200 shares Western Union Telegraph Co., 
100 " Pullman Palace Car Companjv 
200 " Missouri Pacific Railroad, 
100 " Rich. & W. P't Ter. & Ware. Co., 
Oregon Short Line & Utah Northern R.R. bonds 
Pittsburgh & Western Railroad bonds, 
50 shares United States Express Company, 
50 shares Union Pacific Railway Company, 
Fort Worth & Denver City Railway bonds, 
Western Union Telegraph Company bonds, 
200 shares Cleve., Cin , Chic. & St. Louis R'y, 
Pittsburgh & Western Railroad bonds, . 
St. Louis, Arkansas & Texas Railway cert., 
Chicago & Northwestern Railroad bonds, 
200 shares Missouri Pacific Railway, 
Missouri, Kansas & Texas Railway bonds, 
1000 shares Western Union Telegraph Co., 
100 " Manhattan Railway Company, 
400 " Manhattan Railway Company, 
200 " Central Pacific Railroad Company 
200 " Atchison, Topeka & Santa Fe R.R. 
300 " Missouri Pacific Railway Co., 
34 " St. Louis & San Francisco Railway 
100 " Western Union Telegraph Co., 
40 " Pullman Palace Car Company, 
Texas & Pacific Railway Company bonds, 
200 shares Chicago, Milwaukee & St. Paul R'y 
60 shares New-York Central & Hud. Riv. R.R., 
Union Pacific Railway Company bonds, . 
Oregon Improvement Company bonds, . 
Wabash Railroad Company bonds, . 
150 shares Oregon Railway & Navigation Co. 
Central Railroad of New Jersey bonds, . 
Richmond & W. P. T. R'y & Wareh'e Co. b'ds 
St. Louis, Arkansas & Texas Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
100 shares New York, Lake Erie & West. R.R. 
50 " N. Y. Central & Hudson Riv. R.R. 
400 " Chicago & Northwestern Railroad 
Atchison, Topeka & Santa Fe Railroad bonds 
Louisville, New Albany & Chicago R'y bonds 
100 shares Michigan Central Railway, 
100 shares Missouri Pacific Railway, 



Market value. Amount loaned. 

$12,200 00 ^ 

2,500 00 

7,200 00 
53,000 00 

6,700 00 j, $100,000 00 
15,200 00 
18,100 00 
12,000 00 

6,700 00 

7,900 00 
18,700 00 

3,300 00 

2,100 00 j> 50,000 00 

9,900 00 

4,900 00 
15,100 00 j 

2,200 00 ^ 

6,100 00 
12,300 00 
12,000 00 j> 100,000 W 
12,500 00 
76,000 00 

9,600 00 j 
38,400 00 ^ 

5,800 00 ' 

5,600 00 
18,000 00 

1,900 00 

7,600 00 

7,200 00 

800 00 

10,200 00 

6,000 00 

4,200 00 

4,500 00 

3,600 00 
11,800 00 
20,500 00 

6,700 00 
11,500 00 
13,000 00 

1,800 00 

5,000 00 }> 100,000 00 
42,000 00 

6,800 00 
10,800 00 

9,000 00 

6,000 00 J 



)> 100,000 00 



88 



LIFE INSURANCE COMPANIES [Dec. 31, 



300 shares Western Union Telegraph Co., 
Pittsburgh & Western Railroad bonds, . 
Missouri, Kansas & Texas Railroad bonds, 
50 shares Consolidated Gas Company, 
100 shares Chicago & Northwestern Railroad 
St. Louis, Arkansas & Texas Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Kansas City & Omaha Railroad bonds, . 
100 shares Chicago, Milwaukee & St. Paul R.R. 
Elizabethtown, Lex. & Big Sandy R.R. bonds 
100 shares Chicago, Rock Island & Pacific R*y 
100 " Western Union Telegraph Co., 
100 " Virginia Midland Railway, 
Toledo, St Louis & Kansas City R.R. bonds, 
St. Joseph & Grand Island R.R. Co. bonds, 
Lehigh & Wilkesbarre Coal Company bonds, 
Metropolitan Elevated Railway bonds, 
Denver & Rio Grande Railroad bonds, 
Chesapeake & Ohio Railway bonds, . 
Richmond & W. P. T. R'y & Wareh'e Co. b'ds 
Atlantic & Pacific Railroad bonds, . 
District of Columbia bonds, 
Northern Pacific Railroad bonds, 
East Tenn., Virginia & Georgia R.R. bonds, 

20 shares Louisville & Nashville Railroad, 
400 " Nashville, Chatt. & St. Louis R.R. 
110 " Consolidated Gas Company, . 
Tennessee Coal, Iron & Railroad bonds, . 
Wabash, St. Louis & Pacific Railway Co. bonds 
Nashville, Chattanooga & St. Louis R.R. bonds 
300 shares Lake Shore & Michigan South R'y 
Detroit, Monroe & Toledo Railroad bonds, 
Chicago, Milwaukee & St. Paul Railroad bonds 
Chesapeake & Ohio Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Kings Countv Elevated Railway bonds, . 
City of Providence bonds, 
300 shares Manhattan Elevated Railway. 
Union Pacific Railway bonds, . 
Lake Erie & Western Railroad bonds, 
400 shares New York & New England R.R., 
200 " Wagner Palace Car Company, 

50 " Chicago, Rock Island & Pacific R'y 
200 " Manhattan Railway Company, 
100 " Chicago Gas Company, . 
500 " Clevel'd, Cin., Chic. & St. Louis R'y 
100 " Western Union Telegraph Co., 
122 " Delaware & Hudson Canal Co., 



Market value. Amount loaned. 

$22,800 00^ 

3,700 00 
17,000 00 

4,700 00 J. $50,000 00 
10,500 00 j 

0,100 00 I 

2,400 00 J 

8,000 00 >| 
10,400 00 
32,000 00 

7,000 00 

7, GOO 00 

3,000 oo y 

24,900 00 

8,100 00 
13,200 00 

5,700 00 

4,000 00 J 

1,900 00 ^ 

6,700 00 
18,000 00 

5,800 00 

2,300 00 

1,800 00 

1,400 00 [ 100,000 00 
23,000 00 
10,300 00 
16,400 00 

2,100 00 

3,100 00 
31,800 00 j 

2,600 00^ 

1,200 00 

8,500 00 

1,200 00 | 

1,000 00 }> 50,000 00 
900 00 
28,800 00 
16,200 00 

3,100 00 J 
13,200 00^ 
28,000 00 

3,500 00 
19.200 00 ! 

3,400 00 ^ 100,000 00 

29,500 00 
7,600 00 
15,800 00 J 



1890.] 



OF OTHER STATES. 



89 



Chicago, Rock Island & Pacific R'y bonds, 
400 shares Chicago & Eastern Illinois R.R., 
100 " Chicago, Milwaukee & St. Paul R'y 
200 " Chicago, Rock Island & Pacific R'y 
Chicago, St. Paul, Minn. & Omaha R'y bonds 
Georgia Central Railroad bonds, 
Houston & Texas Central Railroad bonds, 
Savannah & Western Railroad bonds, 
Toledo, St. Louis & Kansas City Railroad bonds 
100 shares Pullman Palace Car Company, 
25 shares Equitable Gas Co. of New York, 
Pennsylvania Railroad Company bonds, . 
Kansas City & Omaha Railroad bonds, . 
300 shares Cleve., Cin.,Chic. & St. Louis R'y, 
St. Paul & Duluth Railroad bonds, . 

300 shares Chicago, Milwaukee & St Paul R'y 
2000 " Philadelphia & Reading Railroad 

100 " Chicago & Northwestern Railway 

200 " Missouri & Pacific Railway, . 

300 " Western Union Telegraph Co., 
Texas & Pacific Railway bonds, 
100 shares Chicago, Burlington & Quincy R.R. 
100 shares Chase National Bank, 
St. Louis & San Francisco R.R. bonds, 
200 shares International & Great No. R.R., 
100 shares Pullman Palace Car Company, 
Missouri Pacific Railroad Company bonds, 
Chesapeake & Ohio Railroad bonds, 
200 shares Missouri Pacific Railroad, 
Union Pacific, Denver & Gulf Railroad bonds 
100 shares Central Railroad of New Jersey, 
Chesapeake & Ohio'Railroad bonds, 
200 shares Western Union Telegraph Co., 
Tennessee Settlement bonds, . 
300 shares Evansville & Terre Haute R.R , 
Atlantic & Pacific Railroad bonds, . 
300 shares Nashville, Chat. & St Louis R.R., 
Missouri, Kansas & Texas Railroad Co. bonds 
Richmond & W. Pt. Ter. & Wareh'e Co. bonds 
Northern Pacific Railroad bonds, 
325 shares Pullman Palace Car Company, 
1300 shares Evansville & Terre Haute R.R , 
Peoria, Decatur & Evansville R.R. bonds, 
100 shares Louisville, Evans. & St. Louis R.R. 
Elizabethtown, Lex. & Big Sandy R.R. bonds 
Evansville & Indianapolis R.R. bonds, 
100 shares Chicago & Eastern Illinois R.R., 



> f 100,000 00 



y 200,000 oo 



Market value. Amount loaned . 

$62,500 00 ^ 
15,600 00 

5,100 00 
14,000 00 
31,000 00 
16,200 00 
11,200 00^ 
22,000 00 
16,600 00 
18,100 00 

3,000 00 
10,600 00 
22,400 00 
17,700 00 

5,400 00 
15,300 00 
32,000 00 
10,500 00 
12,000 00 
22,800 00 

4,200 00 

8,900 00 J 
15,000 00^1 

5,300 00 
14,400 00 
18,100 00 
10,400 00 

9,500 00 
12,000 00 
19,200 00 
10,600 00 

3,400 00 
15,200 00 

7,100 00 
15,600 00^ 
10,800 00 
27,600 00 

2,900 00 j> 

3,300 00 

4,000 00 
58,800 00 J 
65,000 00^ 
17,700 00 

5,500 00 

8,900 00 
26,200 00 

8,200 00 



[. 100,000 00 



100,000 00 



j. 100,000 oo 



90 



LIFE INSURANCE COMPANIES [Dec. 31, 



100 shares United States Trust Company, 
Cleveland & Canton Railroad bonds, 
200 shares Chic., St. Paul, Minn. & Omaha R R. 
New York, Susq. & Western R.R. bonds, 
55 shares Cleve., Cin , Chic. & St. L. R.R., 
900 " Western Union Telegraph Co., 
500 " Missouri Pacific Railway Co , 
Tennessee Coal & Iron Railroad bonds, . 
Cleveland & Canton Railroad bonds, 
100 shares Rich & W. Pt. Ter. &Wareh'e Co. 
New York, Susquehanna & West. R.R. bonds 
1200 shares Western Union Tel. Company, 

Long Dock bonds, 

Xew York, Lake Erie & Western R.R. bonds 
Oregon Railway & Navigation Co. bonds, 
Xew York, Lake Erie & Western R.R. bonds 
Union Pacific Railway bonds, . 
10 shares Union Trust Company, 
Columbus, Hocking Valley & Tol. R.R. bonds 
Central Railroad of New Jersey bonds, . 
100 shares Denver & Rio Grande Railroad, 
International & Great Northern R.R. cert., 
Missouri, Kansas & Texas Railroad bonds, 
200 shares Western Union Telegraph Co , 
200 " Manhattan Elevated Railway Co., 
100 " Oregon Railway & Nav. Co., . 
Denver & Rio Grande Railway bonds, 
Missouri Pacific Railway Company bonds, 
100 shares Delaware & Hudson Canal Co., 
Canada Southern Railroad bonds, . 
850 shares Missouri Pacific Railway Company 
400 " New York, Lake Erie & West. R.R. 
100 " Chic, Milwaukee & St. Paul RR 
500 " Western Union Telegraph Co., 
300 " Chic , St. Paul, Minn. & Omaha R.R 
100 " Northern Pacific Railroad, 
Chicago, Burlington & Northern R.R. bonds, 
Housatonic Railroad bond, 
Union Elevated Railroad bond, 
300 shares St. Paul, Minn. & Manitoba RV, 
100 " Pacific Mail Steamship Company, 
100 " Western Union Telegraph Co , 
Rich. & W. Pt. Ter. R'y & Wareh'e Co. bonds 
100 shares Manhattan Railway, 
200 " Central Railroad of New Jersey, 
600 " Lake Erie & Western Railroad, 
Union Elevated Railroad bonds, 
200 shares Chic, St. Paul, Minn. & Omaha R.R. 



100,000 00 



Market value. Amount loaned. 

$60,000 00 ^j 

1,700 00 
15,600 00 

4,000 00 }> 

3,200 00 
68,400 00 
30,000 00. 
16,400 00 ' 

1,700 00 

6,700 00 [ 100,000 00 

6,400 00 I 
91,200 00 J 

5,200 00^ 

2,300 00 

4,400 00 

4,500 00 

1,100 00 

7,000 00 

8,000 00 
10,800 00 

5,700 00 } 

4,300 00 

1,800 00 
15,200 00 
19,200 00 

7,900 00 

4,800 00 

5,200 00 
13,000 00 

4,700 00^ 
51,000 00 

7,200 00 

5,100 00 
38,000 00 

6,600 00 

6,400 00 

2,900 00 

1,000 00 

1,000 00 
29,700 00 > 

3,400 00 

7,600 00 
13,400 00 

9,600 00 }> 
21,200 00 
32,400 00 

5,300 00 
15,600 00 ^ 



> 100,000 00 



1890.] 



OF OTHER STATES. 



91 



Atchison, Topeka & Santa Fe R.R. bonds, 
150 shares Missouri Pacific Railroad, 
50 shares Western Union Telegraph Co , 
Missouri, Kansas & Texas R.R. bonds, . 
100 shares Louisville & Nashville Railroad, 
600 " Pullman Palace Car Company, 
500 " Manhattan Elevated Railroad, 
200 " Chicago & Northwestern Railroad, 
New York, Lake Erie & Western R R. bonds, 
35 shares Delaware & Hudson Canal Co., 
Union Pacific, Denver & Gulf R.R. bonds, 
300 shares Alton & Terre Haute Railroad, 
60 shares State Trust Company, 
Edison Electric Illuminating Co. bonds, . 
25 shares Union Pacific Railway, 
Chicago, St. Louis & Paducah R.R. bonds, 
50 shares Western Union Telegraph Co., 
Ohio Southern Railroad bonds, 
'50 shares Missouri Pacific Railroad, 
Rio Grande & Western Railroad bonds, . 
300 shares Rio Grande & Western Railroad, 
Missouri Pacific Railway bonds, 
Baltimore & Ohio Railroad bonds, . 
13 shares Pullman Palace Car Company, 
Central Railroad of New Jersey bonds, . 
1000 shares Central Rajlroad of New Jersey, 
1000 shares Long Island Railroad, . 
Georgia Pacific Railway bonds, 
100 shares Michigan Central Railroad, . 
144 " Pennsylvania Coal Company, . 
150 " American Cable Company, 

11 " Western Union Telegraph Co., 

25 " ' Manhattan Railway, 

25 " Cleve., Cin., Chic & St. Louis R'y, 

80 " Rich. & W. Pt. Ter. R'y & W'e Co . 

Silver certificates, 

100 shares East Tenn., Va. & Ga. Railway, 
25 shares Chesapeake & Ohio Railway stock, 
Missouri, Kansas & Texas Railway bonds, 
Evansville & Indianapolis Railroad bonds, 
Peoria, Decatur & Evansville Railroad bonds 
Evansville & Terre Haute Railroad bonds, 
900 shares Evansville & Terre Haute Railroad 
100 shares Wheeling & Lake Erie Railroad, 
Columbus, Hocking Val. & Tol. R\vay bonds, 
200 shares Chicago & Eastern Illinois Railroad, 
200 shares Lake Erie & Western Railroad, 
Northern Pacific Railroad bonds, 
100 shares Del. & Hudson Canal Company, 



Market value. Amount loaned. 

$ 2,900 00^ 

9,000 00 

3,800 00 
11,100 00 

7,300 00 
10,800 00 \ 
48,000 00 
21,000 00 

4,800 00 

4,500 00 

9,200 00 
33,300 00^ 

9,600 00 
14,100 00 

1,000 00 

2,000 00 

3,800 00 

2,200 00 \ 100,000 00 

3,000 00 
25,900 00 
16,500 00 

6,400 00 
10,200 00 

2,300 00 J 
108,000 00 n 

106,000 00 > 200,000 00 
42,000 00 ) 

5,400 00 ^ 

9,000 00 

15,800 00 

12,000 00 

800 00 

2,400 00 

2,300 00 [ 

1,200 00 

5,100 00 

5,900 00 

1,000 00 
700 00^ 
28,300 00 ^j 

7,600 00 ' 

5,100 00 
45,000 00 

6,600 00 

4,000 00 

7,800 00 
10,800 00 

1,600 00 
13,000 00 



[ 50,000 00 



} 100,000 00 



92 



LIFE INSURANCE COMPANIES [Dec. 31, 



200 shares American Telegraph & Cable Co., 

300 " Western Union Telegraph < 

300 " Buffalo, Roeh. & Pittsburgh K' way 

Chicago, Burlington & Quincy Railroad bonds 

Peoria & Pekin Union Railway bonds, 

°0 shares Peoria, Decatur & Evansville R.R., 

200 shares Manhattan Railway, 

East Tenn., Virginia & Georgia Railroad bond 

100 shares Lake Erie & Western Railroad, 

Duluth, South Shore & Atlantic RVay bonds 

Texas & Pacific Railroad bonds, 

Chicago Gas Company bonds, . 

Iowa Central Railway bonds, . 

Wabash, St. Louis & Pacific Railway bonds, 

Virginia Midland Railway bonds, 

Metropolitan Elevated Railway bonds, 

100 shares Pullman Palace Car Company, 

300 " Toledo & Ohio Central Railway, 

200 " Long Island Railroad, . 

50 " Wheeling & Lake Erie Railroad, 

36 " Oregon Railway & Navigation Co. 
Texas & Pacific Railway bonds, 
800 shares N. Y , Lake Erie & Western R.R., 
100 shares Chicago & Northwestern Railroad 
Kings County Elevated Railway bonds, . 
300 shares Northern Pacific Railroad, 
100 " Clev., Cin., Chic. & St. Louis R'way 
100 " Manhattan Railway, 

50 " Lake Shore & Mich So. Railroad, 
Toledo, St. Louis & Kansas City R.R. bonds 
Savannah & Western Railroad bonds, 
Chicago Gas Company bonds, . 
Union Pacific, Denver & Gulf Railroad bonds 
Cairo & Fulton Railroad bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Chicago, Rock Island & Pacific Railway bonds 
Cincinnati & Springfield Railway bonds, 
Oregon Improvement Company bonds, . 
West Shore R.R. bonds, .... 

70 shares Western Union Telegraph Co., 
600 " Consolidated Gas Company, . 
100 " Northern Pacific Railroad, 
L^nion Pacific, Denver & Gulf Railroad bonds 
Oregon Short Line & Utah No. R.R. bonds. 
Utah Southern Railroad Company bonds, 
Oregon Short Line & Utah No. Railroad bonds 
Laclede Gas Company bonds, . 
500 shares Lake Shore & Mich. So. Railway, 
Detroit, Bay City & Alpena Railroad bonds, 



)> $100,000 00 



100,000 00 



Market value. Amount loaned. 

§16,000 00^ 
22,800 00 
22,200 00 

2,000 00 

600 00 

700 00 

19,200 00 

900 00 

5,400 00 
12,000 00 

8,500 00 

10,200 00 

700 00 

700 00 

700 00 

1,000 00 J 
18,100 00^1 
22,800 00 
00 00 

3,300 00 

2,800 00 

3,000 00 
14,400 00 }> 
10,500 00 I 

5,000 00 
19,200 00 

5,900 00 

9,600 00 

5,300 00. 
20,700 00>| 
13,200 00 
17,000 00 

3,800 00 
14,100 00 
18,500 00 \ 
15,600 00 

5,500 00 

8,700 00 

1,000 00 

5,300 00 J 
56,400 00 ) 

6,400 00 S 
46,900 00] 
39,500 00 
25,700 00 I 
19,700 00 j 

1,500 00 -s 
53,000 00 

8,100 oo ; 



100,000 00 



50,000 00 



j> 100,000 00 



>0,000 00 



1890.] 



OF OTHER STATES. 



93 



Missouri Pacific Railway bonds, 
Iron Mountain Railway bonds, . 
1000 shares Missouri Pacific Railway, 

500 " Manhattan Railway Company, 
1400 " Western Union Telegraph Co., 

100 " St. Paul & Duluth Railroad, . 
Chicago, Milwaukee & St. Paul Railroad bonds 
100 shares Chicago, Rock Isl. & Pacific Railway 
Toledo, St. Louis & Kansas City R.R. bonds, 
Metropolitan Elevated Railway bonds, 
Iron Mountain Railroad bonds, 
Elizabeth., Lex. & Big Sandy Railroad bonds 
Illinois Central Railroad bonds, 
Toledo, Peoria & Western Railroad bonds, 
Dakota & Great Southern Railroad bonds, 
Metropolitan Elevated Railway bonds, 
St. Paul, Minneapolis & Man. Railway bonds, 
Minneapolis & St. Louis Railway bonds, 

40 shares Chicago, Rock Isl. & Pacific Railway 
150 " Chicago, Mil. & St. Paul Railway, 
200 " N. Y., Lake Erie & Western R.R., 
100 " Lake Erie & Western Railroad, 
100 " Clev., Cin., Chic. & St. Louis RVay 
200 " Western Union Telegraph Co., 
Louisville, New Albany & Chic. Railway bonds 
Northern Pacific Railway bonds, 
400 shares Toledo & Ohio Central Railway, 
100 " International & Great No. Railroad 
300 " Lake Erie & Western Railroad, 
600 " Philadelphia & Reading Railroad, 
300 " International & Great No Railroad 
500 " N.Y.,Lake Erie & Western R.R. Co. 
Ohio & Miss. Railway Company bonds, . 
200 shares Louisville & Nashville R.R., . 
100 shares Pullman Palace Car Company, 
Northern Pacific Railroad bonds, 
100 shares Delaware & Hudson Canal Co., 
300 " Missouri Pacific Railway-, 
100 " Chicago, Mil & St. Paul Railway, 
500 " Cleveland, Cin., Chic. & St. L. R'y 
200 " Missouri Pacific Railway, 
Georgia Pacific Railway bonds, 
Missouri, Kansas & Texas Railway bonds, 
St. Louis, Kansas City & Northern R.R. bonds 
100 shares Chesapeake & Ohio Railway, . 
Flint & Pere Marquette Railroad bonds, . 
New York, Lack. & Western Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds 



Market value. 

$156,000 OO^j 
157,500 00 
60,000 00 
48,000 00 | 
106,400 00 J 
8,300 00 >| 
1,000 00 
7,000 00 
20,700 00 \ 
3,400 00 
4,500 00 
18,600 00 J 
7,800 00 ^ 
8,300 00 
5,900 00 
5,700 00 
5,600 00 
9,800 00 
2,800 00 
7,600 00 
3,600 00 
5,400 00 
5,900 00 
15,200 00 
4,500 00 
8,000 00 
30,400 00 
7,200 00 j 
16,200 00^ 
9,600 00 
21,600 00 
9,000 00 
9,500 00 
14,600 00 
18,100 00 
4,000 00 
13,000 00 
18,000 00 J 
10,400 00 ^ 
29,500 00 
12,000 00 
5,400 00 )> 
2,200 00 
1,000 00 
1,600 00 J 
9,200 00 
2,100 00 
1,000 00 



Amount loaned. 



$400,000 00 



50,000 00 



, 100,000 00 



, 100,000 00 



50,000 00 



10,000 00 



94 



LIFE INSURANCE COMPANIES [Dec. 31, 



200 shares St. Louis, Alton &Terre Haute R.R., 
Silver certificates, 

15 shares Lackawanna Iron & Coal Company, 

20 " Warren Railroad, . 
100 " Northern Pacific Railroad, 
300 " Chicago, Mil. & St. Paul Railway, 
400 " West'n Union Telegraph Company 
Oregon Improvement Company bonds, . 

23 shares Delaware & Hudson Canal Co., 
100 " Missouri Pacific Railway Company 
100 " Clev., Cin., Chicago & St. L.R'way, 
100 " Norfolk & Western Railroad, 
100 " Chicago Gas Company, . 
300 " Chicago & Eastern 111. Railroad Co. 
Texas & Pacific Railway bonds, 
Toledo, St. Louis & Kansas City R.R. bonds, 
Union Pacific, Denver & Gulf Railroad bonds 

75 shares Northern Pacific Railroad, 

50 " N. Y. Central & Hudson River. R.R 
100 " Missouri Pacific Railway, 
100 " Western Union Telegraph Co., 
100 " Chicago & Eastern 111. Railroad, 
500 " Lake Shore & Mich. Southern R.R. 
United New Jersey R.R. & Canal Co. bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
Mobile & Ohio Railroad bonds, 
Rome, Watertown & Ogdensburg R R. bonds 
Col., Hocking Valley & Toledo RR. bonds, 
400 shares Toledo, Ann A. & No. Mich. R.R , 
100 " Col. & Hocking Coal & Iron Co., 
100 " Morris & Essex Railroad, 
100 " Rome, W. & Ogdensburg R.R., 
200 " New York & New England R.R., 
300 " New York, Lake Erie & W. R.R., 
100 " Delaware & Hudson Canal Co., 

15 " Chicago, Mil. & St. Paul R R., 
50.0 " Denver & Rio Grande Railroad, 
100 " Oregon Railway & Nav. Co., . 
200 " Missouri Pacific Railway, 
200 " Cleveland, Cin., Chic. & St. L. R'y, 
50 " Consolidated Gas Company, . 
100 " Cleveland, Cin., Chic & St. L. R'y, 
100 " Chicago, Burl. & Quincy Railroad, 
Laclede Gas Company bonds, . 
Iron Mountain Railroad bonds, 



Market value. 

$22,200 00^ 

10,300 00 
3,000 00 
1,000 00 
6,400 00 

31,200 00 

30,400 00 
2,600 00 
2,900 00 
6,000 00 
5,900 00 
5,200 00 >* 
3,400 00^ 

24,600 00 
8,500 00 
8,300 00 
3,700 00 
4,800 00 
5,000 00 
6,000 00 
7,600 00 
3,900 00 

53,000 00 J 

60,400 00 
5,800 00^ 

10,800 00 
1,000 00 j 
2,400 00 J 
6,400 00 
1,500 00 
7,200 001 
9,800 00 
6,600 00 
5,400 00 

13,000 00 
1,500 00 \ 

28,500 00 
7,900 00 

12,000 oa 

11,800 00 
4,700 00 J 
5,900 00 > 



Amount loaned. 



)■ $100,000 00 



y 100,000 oo 



8,900 00 



3,900 00 , 
6,300 00 J 



50,000 00 
15,000 00 

5,605 00 



90,000 00 



} 20,000 00 



$6,493,500 00 $4,923,817 50 



1890.] 



OF OTHER STATES. 



95 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. 

United States bonds, $118,098 70 

Virginia State bonds, 4,500 00 

Mississippi State bonds, 10,000 00 

Lake Shore & Mich. So. Railroad bonds, . . 478,193 92 

Central Park, North & East Rivers R.R. bonds, 115,325 00 

Harlem River & Port Chester Railroad bonds, 102,500 00 

West Shore Railroad bonds, .... 92,900 00 

Union Pacific Railroad bonds, .... 176,862 63 

Escanaba & Lake Superior Railroad bonds, . 34,800 00 

Albany & Susquehanna Railroad bonds, . . 59,000 00 

Ohio & Mississippi Railroad bonds, . . . 58,000 00 

Missouri Pacific Railroad bonds, . . . 111,250 00 

-50 shares Bank of Commerce, New York, . 4,460 00 

New York, Susq. & Western Railroad bonds, . 49,250 00 

Dakota & Great Southern Railroad bonds, . 100,000 00 

Chesapeake & Ohio Railroad bonds, . . 98,375 00 

Wabash Railroad bonds, 101,805 55 

Morgans' La. & Tex. R.R. & SVmship b'ds, . 46,147 51 

Louisville, St Louis & Texas Railway bonds, . 18,557 50 

Toledo, Ann Arbor & Cadillac R.R. bonds, . 40,374 17 

Tillage of New Rochelle, N. Y , certificates, . 50,000 00 

500 shares Consolidated Gas Co. of N. Y , . 49,062 50 

Town of Danville, Virginia, bonds, . . . 10,250 00 



Market value. 

$138,875 00 

17,024 00 

10,000 00 

488,000 00 

120,000 00 

110,000 00 

100,000 00 

165,500 00 

33,150 00 

57,500 00 

59,875 00 

104,500 00 

9,500 00 

47,625 00 

99,000 00 

100,000 00 

98,000 00 

47,000 00 

11,610 00 

42,000 00 

50,000 00 

47,500 00 

10,250 00 



$1,924,712 48 $1,966,909 00 



"METROPOLITAN LIFE INSURANCE COMPANY." NEW YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 
Paid-up Capital, $1,000,000. 

Joseph F. Knapp, President. George H. Gaston, Secretary. 

Income. 

Total premium income, |9,390,927 15 

Cash received for interest, 432,356 26 

as discount on claims paid in advance, . . 208 16 

for rents of company's property, . . . 32,055 75 

Miscellaneous, 8,071 35 

Total income, $9,863,618 67 

Net or ledger assets Dec. 31, 1889, 8,447,118 87 

Total, $18,310,737 54 



96 



LIFE INSURANCE COMPANIES [Dec. :il, 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions,. 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowment-, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners fees, .... 
for salaries of officers and office employe* 

for taxes and fees, 

for rent, .* 

for commuting commissions, .... 
for furniture and office fixtures, 
for advertising, .... . 
for incidentals, 



$3,744,924 57 

1,558 81 

4,621 44 

422 56 

1,522 38 
21,265 41 

4,019 49 

22,437 61 

3,890 88 

$3,803,135 77 

70,000 00 

1,494,984 38 

802,526 83 

86,235 50 

J 32 

.401 96 

39,509 11 

792,162 14 

22 15 

105,395 68 

110,800 40 



Total disbursements, ........ $7,614,003 24 

Balance, $10,696,734 30 

Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 



Ledger assets (as per balance), 
Deduct depreciation from costs of assets. 



fl,256,749 32 

6,058,125 00 

13,500 00 

9,500 00 

115,616 31 

3,010,595 20 

232,648 47 

$10,696,734 30 
75.926 05 



Total net or ledger assets, 



$10,620,808 25 



1890.] 



OF OTHER STATES. 

Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . 

Deduct loading (20 per cent ), . 

Net ain't of uncollected and deferred prem's, 

Total assets per company's books, . 
Deduct special deposits in other States, . 

Balance, 



>15,998 41 
34,908 94 



50,907 35 
10,181 47 



97 



$109,804 97 

970 50 

8,863 41 



40,725 88 

,781,173 01 
125,204 00 



$10,655,969 01 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . .$8,618,500 00 

Policy claims unpaid, 23,641 50 

Unpaid dividends of surplus due policy-holders, . . . 3,678 47 

Premiums paid in advance, 18,581 93 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



. §8,664,401 90 
88,518 00 



$8,575,883 90 
Surplus as regards policy-holders, . . . $2,080,085 11 

Paid-up capital, 1,000,000 00 

Surplus over capital, 1,080,085 11 



Gross liabilities, 



$10,655,969 01 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $120,608 33 

Premium notes received during 1890, . . 4,894 72 

Total, $125,503 05 

Used in payment of losses and claims, . . $1,976 37 
Used in payment of surrendered policies and 

voided by lapse, 4,019 49 

Used in payment of dividends to policy-holders, 3,890 88 

Total, . 9,886 74 



Balance note assets Dec. 31, 1890, 



15,616 31 



98 



LIFE INSURANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,145 $3,820,001 00 
Endowment, ... 134 113,771 00 

All other, .... 40 ..817 00 

3,319 $3,986,592 00 



Policies issued and revived during the Year. 

Whole life, ... 248 8270,891 00 
Endowment, ... 48 44,850 00 

296 



321,741 00 



Total, 3,615 $4,308,333 00 

Policies terminated during the Year. 

Whole life, ... 286 $349,303 00 
Endowment, . . . 41 35,544 00 

All other, .... 1 1,000 00 



328 $385,847 00 



How terminated. 



By death, . 


. 


85 


.506 00 


maturity, 


. 


9 


5,044 00 


expiry,. 


. 


1 


1,000 00 


surrender, . 


, . 


76 


96,626 00 


lapse, . 


. 


145 


157,000 00 


change and deer 


ease, . 


3 


19,000 00 


Not taken, . 


• 


9 


8,671 00 




Policies 


in force 


Dec. 31, 1890. 


Whole life, 


. , 


3,107 


$3,747,592 00 


Endowment, 


. . 


141 


123,077 00 


All other, . 


• 


39 


5L817 00 



328 



385,847 00 



Industrial policies in force, 



3,287 ?3,922,486 00 
2,096,595 231,115,440 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

Housatonic Railroad bonds, . . . $15,675 00 



Amount loaned. 

$13,500 00 



1890.] 



OF OTHER STATES. 



99 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. 

Albany & Susquehanna Railroad bonds, . . $22,710 00 
Baltimore & Ohio Railroad bonds, . . . 54,000 00 

Canadian Pacific Railroad bonds, . . . 113,104 15 

Central Ohio Railroad bonds, .... 102,500 00 
Chicago, St Paul, Minn. & Omaha R R. bonds, 57,825 00 

Cleveland, Col , Cin. & Ind Railroad bonds, . 33,965 00 

Chicago, Milwaukee & St Paul R R. bonds, . 142,612 50 
Chicago & Eastern Illinois Railroad bonds, . 57,527 50 

Chicago & Indiana Coal Railroad bonds,. . 46,218 75 

Chicago & Western Indiana Railroad bonds, . 77,125 00 

Columbus & Toledo Railroad bonds, . . 26,950 00 

Chicago, Burlington & Northern R.R. bonds, . 52,682 50 

Canada Southern Railroad bonds, . . . 107,999 24 

Central Railroad of New Jersey bonds, . . 100,750 00 
Cincinnati, Sandusky & Cleveland R.R. bonds, 79,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 26,968 75 

Delaware and Hudson Canal Co. bonds, . . 18,720 00 

Detroit, Bay City & Alpena Railroad bonds, . 52,968 75 

Duluth & Iron Range Railroad bonds, . . 28,364 16 

Fremont, Elkhorn & Miss. Valley RR. bonds, 77,229 37 

Hannibal & St. Joseph R.R. bonds, . . 30,386 25 

Louisville, New Albany & Chicago R.R. bonds, 60,270 00 

Lake Erie & Western Railroad bonds, . . 55,438 07 

Michigan Central Railroad bonds, . . . 98,000 00 

Morgan's La. & Texas R.R. and S S. Co. bonds, 26,750 00 

Missouri Pacific Railroad bonds, . . . 56,312 50 

Milwaukee, Lake Shore & Western R R bonds, 30,093 75 

Mobile & Girard Railroad bonds, . . . 45,000 00 

Minneapolis & St. Louis Railroad bonds, . 29,500 00 

Northern Illinois Railroad bonds, . . . 26,750 00 

Northern Pacific Railroad bonds, . . . 55,225 00 

Peekskill (N. Y.) bonds, 25,872 60 

St. Joseph & Grand Island R R. bonds, . . 52,781 25 

St Paul & Northern Pacific Railroad bonds, . 58,692 50 

St. Louis, Alton & Terre Haute R.R. bonds, . 106,750 00 

Third Avenue, New York City, R R. bonds., . 166,125 00 
Toledo, Ann Arbor & Grand Trunk R.R. bonds, 26,437 50 

Terre Haute & Indianapolis Railroad bonds, . 25,625 00 

Ulster & Delaware Railroad bonds, . . . 99,750 00 

United States bonds, . . . . • . 343,281 78 

Western New York & Pa. Railroad bonds, . 57,500 00 

Wabash Railroad bonds, 153,208 33 

Western Transit Co. bonds, . . . .' 51,750 00 
West Side Railroad, Milwaukee, bonds, . . 49,8/5 00 



Market value. 

$23,200 00 

53,000 00 

113,104 15 

100,000 00 

57,250 00 

36,830 00 

139,120 00 

56,500 00 

49,000 00 

77,050 00 

25,520 00 

49,750 00 

106,125 00 

109,000 00 

78,750 00 

24,750 00 

17,280 00 

46,000 00 

29,140 00 

74,880 00 

28,250 00 

59,430 00 

53,250 00 

101,000 00 

27,500 00 

52,000 00 

29,500 00 

47,500 00 

18,250 00 

26,000 00 

54,285 00 

34,250 00 

48,500 00 

59,000 00 

107,000 00 

168,750 00 

25,250 00 

26,000 00 

100,000 00 

340,892 50 

15,562 50 

145,500 00 

50,750 00 

50,000 00 



$3,010,595 20 $2,934,669 15 



100 LIFE INSURANCE COMPANIES [Dec. 31, 

"THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. ' 

[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCuRDY, President. William J. Easton, Secretary. 

Income. 

New premiums without deductions, $8,558,725 40 

Renewal premiums, 17,757,704 05 

Cash received for annuities, 740,592 00 



Total premium income, $27,063,083 07 

Cash received for interest, 6,204,753 21 

for rents of company's property, . . . 658,356 03 
for profits on bonds or stocks sold, and contin- 
gent guarantee account, .... 902,585 78 



Total income, £34,978,778 00 

Net or ledger assets Dec. 31, 1889, 129,444,574:35 



Total, $104,423,353 04 



Disbursements. 

Cash paid for losses and additions, $8,501,770 82 

Cash paid for matured endowments and additions, . . . 1,751,479 .85 



Gross amount paid for losses and endowments, . $10,253,250 07 

Cash paid to annuitants, 123,971 89 

Cash paid for surrendered policies and additions, . . . 3,832,3b 
Cash dividends paid policy-holders applied in payment of 
premiums, 2,703,592 27 



Total paid policy-holders, $10,973,200 05 



Cash paid for commissions to agents, .... 
for salaries and expenses of law department, 
for medical examiner's fees and salaries, 
for salaries of officers and office employees, . 

lor taxes and fees, 

for rent, . . . ... 

for advertising, 

for incidentals, 



4,552,412 81 
159,081 44 
297,936 66 
408,485 68 
341,555 32 
140,000 00 
130,032 83 

1,172,111 29 



Total disbursements, $24,180,816 08 



Balance, 6140,242,530 96 



1890.] 



OF OTHER STATES. 



101 



Invested in the following : — 

Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Suspense account, 

Agents' ledger balances, . 

Miscellaneous investments, 

Ledger assets (as per balance), 



$13,483,093 14 

63,046,138 58 

8,624,400 00 

51,311,631 54 

18,517 97 

3,537,923 62 

27,979 32 

94,921 76 

97,931 03 



$140,242,536 96 



Other Assets. 

Interest due and accrued, .... 

Rents due and accrued, .... 

Market value of stocks and bonds, over book value, 

Uncollected premiums on policies in force, . f 1,329,938 92 

Deferred premiums on policies in force, . . 1,905,986 79 



Total, 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



1,235,925 71 

647,185 14 



983,797 89 

74,880 68 

2,617,819 96 



2,588,740 57 



1146,507,776 06 



Items not admitted. 



Agents 1 balances, 
Miscellaneous investments, 
Suspense account, 

Total, 



Total admitted assets, 
Deduct special deposits in other States, . 



$4,921 76 
97,931 03 
27,979 32 



220,832 11 



$146,286,943 95 
1,813,223 00 



Balance, fl44,473,720 95 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries 1 4 per cent ), . 
Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 



$136,036,302 00 



|349,539 68 
86,755 00 



436,294 68 



102 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premiums paid in advance, 
Liability under non-forfeiture clause, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposit-. 



Surplus as regards policy-holders, . 
Gross liabilities, .... 



>69,065 U 
65,000 00 



$136,606,661 
1,656,949 00 



|134,949,712 82 

. 9,524,008 13 



$144,473,720 95 



Whole life, . - . 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total Xo. Total Amount. 

. - . . 145,630 $442,487,010 00 

. 36,367 96,838,282 00 

17 101,978 00 

- 26,412,117 00 

182,014 8565,839,387 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
. 37,937 $118,755,767 00 
. 8,601 28,737,034 00 
2 2,800 00 



46,540 147,495,601 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

2,010 £6,607,220 00 

423 1,149,000 00 

9,254 00 



2,433 7,765,474 000 



Old Policies changed and increased. 

Whole life, ... 63 $1,001,900 00 

Endowment, ... 25 516,732 00 

All other, .... - 325 00 



Additions by dividends, 
Total, . 



88 



1,518,957 00 
4,585,889 00 



. 231,075 f 727,205,308 00 



Policies terminated during the Year. 
Whole life, . . . 19,391 $65,187,255 00 
Endowment, . . . 6,117 19,776,026 00 
All other, .... 3 4,200,847 00 



25,511 



,164,128 00 



1890.] 



OF OTHER STATES. 



103 



How terminated. 







Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. 


. 2,521 


$8,582,067 00 




maturity, 


. 


725 


1,749,003 00 




expiry, . 


• 


35 


120,750 00 




surrender, 


. 


. 3,300 


12,843,914 00 




lapse, . 


. 


. 9,893 


28,537,548 00 




change and decrease, 


88 


1,897,511 00 




Not taken, . 


• 


. 8,949 


35,433,335 00 

25,511 


889,104,128 00 



Policies in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionaiw additions, 



166,249 $503,664,642 00 

39,299 107,465,022 00 

16 57,275 00 

- 26,854,211 00 



205,564 $638,041,180 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

Georgia Railroad & Banking Company stock, . $ 20,000 00 

Manhattan Company stock, .... 20,520 00^ 

Delaware, Lackawanna & Western R.R stock, , 71,500 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 27,000 00 

New York, Lackawanna & West R.R. bonds, . 12,700 00 J 

First National Bank stock, .... 600,000 00 \ 

Central Railroad of New Jersey stock, . . 312,000 00 \ 

Brooklyn City Railroad stock, .... 8,688 00 

Central Ohio Railroad bonds, .... 50,00000^ 

New York, Susquehanna & Western R.R. bonds, 19,950 00 

Syracuse Street Railroad bonds, . . . 34,200 00 

Scioto Valley & New England Railroad bonds, 13,680 00 

Savannah & Western Railroad bonds, . . 18,040 00 

Boston, HoosacTun. & Western R.R. bonds, . 9,500 00 

Louisville & Nashville Railroad bonds, . . 22,500 00 

Omaha & St Louis Railroad bonds, . . 10,800 00 

Louisiana National Bank stock, . . . 7,216 00 

Chicago & Northwestern Railroad stock, . 41,600 00 

Chicago, Milwaukee & St. Paul Railroad stock, 10,500 00 

Silver Springs, Ocala& Gulf R.R. bonds, . 60,480 00 

New York Life Insurance & Trust Co. stock, . 34,000 00 

St. Paul & Duluth Railroad bonds, . . 10,000 00 

Chicago, St. Louis & Paducah Railroad bonds, 20,000 00 

Chicago & Northwestern Railroad stock, . 13,500 00 

New York, Providence & Boston R R. stock, . 22,000 00 

Ocean Steamship Company bonds, . . . 5,000 00 

Augusta & Knoxville Railroad bonds, . . 5,250 00 

Columbus & Greenville Railroad bonds, . . 1,700 00 



Amount loaned. 

$ 15,000 00 
j. 100,000 00 

300,000 00 
5,000 00 



} 150,000 00 



6,000 00 
40,000 00 

50,000 00 
25,000 00 

23,000 00 
25,000 00 

9,400 00 



104 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago & Northwestern Kail road stock, 
Richmond & West Point Term 1 ! R.R. stock, 
Evansville & Indianapolis Railroad bonds, 
Evansville & Richmond Railroad bonds, . 
Evansville & Richmond Railroad bonds, . 
Evansville & Indianapolis Railroad bonds, 
Central Pacific Railroad bonds, 
Jersey City Railroad bonds, 
Laclede Gas Light Company bonds, 
Central Railroad of New Jersey bonds, . 
Atlanta & West Point Railroad certificates, 
Laclede Gas Light Company bonds, 
Canada Southern Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
St Paul, Minneapolis & Manitoba R R. stock, 
Western Union Telegraph Company stock, 
Virginia Midland Railroad bonds, . 
Rome, YYatcrtown & Ogdensburg R.R bonds 
Georgia Railroad & Banking Company stock, 
Atlantic Trust Company stock, 
Wabash Railroad bonds, .... 
4~2d Street & Grand Street Ferry R.R. stock, 
Union Railway of St. Joseph bonds, 
Cleveland & Canton Railroad bonds, 
Union Railway of St Joseph bonds, 
Chesap., Ohio & Southwestern R.R. bonds, 
Chicago, St Louis & Pittsburgh R R. bonds, 
Canada Southern Railroad stock, 
Chicago & Northwestern Railroad stock, 
Northern Pacific Railroad bonds, 
West Shore Railroad bonds, 
Elizabeth. N. J., city bonds, . % 
Southern Pacific Railroad bonds, 
Central Pacific Railroad bonds. 
Southern Pacific & Arizona Railroad bond-. 
Louisville, New Orleans & Texas R.R. bonds, 
Kentucky Central Railroad bonds, . 
Southern Pacific of New Mexico R.R. bonds, 
Central Pacific Railroad bonds, 
Southern Pac of N. Mexico Railroad bonds, 
Kentucky Central Railroad bonds, . 
Central Pacific Railroad bonds, 
Southern Pac of X. Mexico Railroad bonds, 
Kentucky Central Railroad bonds, . 
Louisville, New Orleans & Texas R R. bonds 
Chic , St. Louis & New Orleans R.R. bonus, 
Atlanta (Ga.) city bonds, .... 
Georgia R.R. & Banking Co. bonds,. 
Savannah & Western Railroad bonds, 



Market value. 

|62,400 00 

0,700 00 

134,400 00 

500 00 

114,300 00 

6,300 00 

88,000 00 

1,000 00 

1,560 00 

327,000 00 

440,900 00 

23,400 00 

5,300 00 

5,300 00 

19,000 00 >| 



15,200 00 ! 



12,000 00 
15,900 00 
20,000 00 
11,700 00 
9,700 00 
54,900 00 
54,900 00 ) 
7,200 00 S 
57,000 00 x 
3,180 00 i 
1,940 00 ) 
9,000 00 x 
10.400 00 I 
36,450 00 I 
$0,000 00 J 
800 00 
200,000 OOx 
200,000 00 ! 



208,000 00 ! 

80,000 00 J 
80,000 00 > 
412,000 00 | 
200,000 00 J 
309,000 OOx 
80,000 00 i 
300.000 00 ) 
309.000 OOx 
240,000 00 S 
120,000 00 ) 
66,000 00 
14,700 00 
34,110 00 
16,400 00 



Amount loaned. 

,000 00 

'.000 00 

100,000 00 

70,000 00 

1,400 00 

260,000 00 

15,000 00 

1,000 00 



,000 00 

15,000 00 
17,800 00 

32,000 00 
50,000 00 

50,000 00 

100,000 00 
600 00 
000 00 

500,000 00 

500,000 00 

.000 00 
50,000 00 
50,000 00 



1890.] 



OF OTHER STATES, 



105 



Markrt value. 



Georgia Pacific Railroad bonds, 
Terminal Coal and Iron Co. bonds, . 
Savannah & Western Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Nashville, Chattanooga & St. Louis RR. bonds, 
Richmond & West Point Terminal R.R. bonds, 
N. Y , New Haven & Hartford R.R. stock, 
NY, Providence & Boston Railroad stock, 
Prov. & Stonington S.S. Co stock, . 
Canada Southern Railroad stock, 
A Vest Shore Railroad bonds, 
Consolidated Gas Co. stock, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Brooklyn Elevated Railroad bonds, . 
Milwaukee. Lake Shore & Western R.R bonds 
Pacific of Missouri Railroad bonds, . 
Erie Railroad bonds, .... 

Kansas Pacific Railroad bonds, 
Hannibal & St. Joseph Railroad bonds, . 
Northern Pacific Railroad bonds, 
Kansas Pacific Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Cleveland, Cin , Chic. & St. Louis R.R. stock, 
Michigan Central Railroad stock, . 
Canada Southern Railroad stock, 
Delaware and Hudson Canal Co stock, . 
New York & Harlem Railroad stock, 
Chii-ago, Burlington & Quincy R.R. stock, 
Cleveland, Cin , Chic. & St Louis R.R. stock, 
Lake Shore & Michigan Southern R R stock, 
New York Cent. & Hudson River R.R stock, 
Chesapeake & Ohio Railroad bonds, 
Richmond & West Point Terminal R.R. bonds 
Mutual Union bonds, .... 

Columbus, Hock. Valley & Toledo R.R. bonds 
Cleveland, Cin , Chic. & St Louis R.R. stock, 
Western Union Telegraph Co. stock, 
N. Y., New Haven & Hartford R.R stock, 
St. Louis, Alton & Terre Haute R.R. bonds, 
Escanala & Lake Superior Railroad bonds, 
Detroit, Munroe & Toledo Railroad bonds, 
Tennessee Coal and Iron Co. bonds, 
Canada Southern Railroad bonds, . 
New York Cent & Hudson River R.R. bonds 
Wabash Railroad bonds, .... 
Laclede Gas Light Company bonds, 
Texas & Pacific Railroad bonds, 
Central R.R. and Banking Company stock, 



$142,720 

59,600 

41,000 

62,500 

26,400 

54,400 

7,905 

199,320 

33,480 

4,800 

5,000 

4,750 

14,880 

10,800 

5,900 

, 57,120 

26,400 

2,160 

5,650 

8,480 

54,000 

10,500 

27,600 

9,000 

14,400 

3,275 

810 

2,225 

9,200 

2,625 

2,000 

3,450 

6,800 

14,420 

20,000 

18,400 

7,600 

3,315 

1,070 

10,700 

13,000 

3,600 

2,850 

03,700 

9,700 

3,900 

21,250 

60,300 



00 ^ 
00 
00 
00 

00 
00 J 
00 ^ 

oo I 

00 } 
00 I 
00 J 
00^ 
00 
00 
00 
00 
00 
00 
00 j 
00 £ 

00 s 

00 j 

00 } 

00 I 

00 j 

00 

00 

00 

00 

00 j> 

00 

00 

00 

00 J 

00^ 

00 

00 

00 

00 

00 

00 

00 j 

00 

00? 

00$ 

00 

00 



•Amount loaned 



}> $300,000 00 



200,000 00 



} 100,000 00 



50,000 00 



50,000 00 



50,000 00 



j> 50,000 00 



50,000 00 
4,000 00 

13,000 00 
50,000 00 



106 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York Cent. & Hudson River II. R. stock, 
Cleveland, Cin., Chic. & St. Louis R.R. stock, 
Farmers 1 Loan and Trust Co. stock, 
Rensselaer & Saratoga Railroad stock, . 
Wabash Railroad bonds, .... 
Columbus, I lock. Valley & Toledo R R. bonds, 
Oregon Short Line Railroad fronds, . 
New York Central & Hudson River R.R. b'ds, 
New York Central & Hudson River R.R. st'k, 
Lake Shore & Michigan Southern R.R. stock, . 
New York Central & Hudson River R.R b*ds, 
Erie Railroad bonds, .... 

Canada Southern Railroad bonds, . 
Chicago, Rock Island & Pacific R R stock, 
Buffalo, New York & Erie R R. bonds, . 
Chicago, Milwaukee & St. Paul R.R. stock, 
Consolidated Gas Company stock, . 
Chicago, Burlington & Quincy Railroad stock 
Chicago, Rock Island & Pacific R R. stock, 
Memphis & Charleston Railroad bonds, . 
Chicago, Rock Island & Pacific R.R. stock, 
Chicago & Northwestern Railroad stock, . 
Missouri Pacific Railroad stock, 
Evansville & Terre Haute Railroad stock, 
Buffalo, New York & Erie Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Memphis & Charleston Railroad bonds, . 
Chicago & Northwestern Railroad stock, 
Missouri Pacific Railroad stock, 
Western Union Telegraph Company stock, 
Chicago, Milwaukee & St Paul R.R. stock, 
Texas & Pacific Railroad bonds, 
"Western Union Telegraph Company bonds, 
Consolidated Gas Company stock, . 
Milwaukee, L. Shore & Western R.R. stock, 
Warren Railroad stock, .... 
Iowa City & Western Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Jackson County, Mo., bonds, . 
Wilson County, Kan , bonds, . 
Shawnee County, Kan , bonds, . 
Cloud County. Kan , bonds, 
Coffey County, Kan., bonds, 
Sheridan Township, Kan , bonds, 
Baker Township, Kan , bonds, . 
Ottawa County, Kan , bonds, . 
Central Pacific Railroad bonds, 



Market value. 

$2,500 00 
1,840 00 

10,500 00 
4,590 00 

7,200 00 
12,000 00 
7,900 00 
14,700 00 
10,000 00 ^ 
10,500 00 | 
32,250 00 }> 
6,600 00 j 
300 00 j 
13,800 00 
45,900 00 
10,500 00 1 
9,500 00 j 
17,800 00 [ 
6,900 00 | 
1C,8<)0 00 J 
6,900 00 ' 
10,400 00 
600 00 
10,400 00 > 
5,400 00 
5,7<»0 00 
7,200 00 J 
10,400 001 
5,900 00 
10 00 
10,500 00 
4,250 00 
9,900 00 
,500 00 ^ 
21,000 00 j 
7,500 00 y 
3,060 00 j 
3,060 00 J 
7,350 00' 
3,300 00 
2,100 00 
9,200 00 
4,400 00 
4,000 00 
1,000 00 
8,050 00 J 
5,500 00 



Amount loaned. 



}. $50,000 00 



50,000 00 



50,000 00 



00 



K) 00 



50,000 00 



50,000 00 



}> 32,100 00 



4,000 00 



1890.] 



OF OTHER STATES. 



107 



Toledo, Peoria & Western Railroad bonds, 
Tennessee Settlement bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Missouri Pacific Railroad bonds, 
Southwestern Railroad of Georgia stock, 
E. Tennessee, Virginia & Georgia R.R. bonds, 
Providence & Stonington S.S. Company stock, 
Central Trust Company stock, . 
Brooklyn Trust Company stock, 
New York Life Insurance and Trust Co. stock 
United States Trust Company stock, 
Fulton Municipal Gas Company stock, . 
New York Guarantee and Indem Co. stock, 
Continental Fire Insurance Company stock, 
Mercantile Trust Company stock, . 
Delaware and Hudson Canal Company stock 
Central Trust Company stock, 
Bank of Minnesota, St. Paul, stock, . 
Georgia R.R. and Banking Company stock, 
Savannah, Fla. & Western Railroad bonds, 
Bank of New York stock, .... 
Chicago, Rock Island & Pacific R.R. stock, 
Wabash Railroad bonds, .... 
Missouri Pacific Railroad bonds, 
Oregon Railway and Navigation Co. bonds, 
Mobile & Ohio Railroad bonds, 
Laclede Gas Light Company bonds, . 
Missouri, Kansas & Texas Railroad bonds, 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R stock, 
Chicago, Burlington & Quincy R.R. stock, 
Chicago & Northwestern Railroad bonds, 
Georgia State bonds, .... 

Erie Railway bonds, 

Wabash Railway bonds, .... 
Canada Southern Railroad bonds, . 

Erie Railway bonds, 

New York, Chicago & St. Louis R.R. bonds, 
Consolidated Gas Company stock, . 
Philadelphia & Reading Railroad bonds, 
Nashville, Chattanooga & St Louis R.R. bonds 
Canada Southern Railroad bonds, . 
Washington Trust Company stock, . 
Atlantic Trust Company stock, 
Nassau Trust Company stock, . 
People's Trust Company stock, 
Elmira & Horseheads Railroad bonds, 



M arket value 

$19,000 00 
6,300 00 
35,760 00 
360,000 00 
43,200 00 
85,850 00 
313,200 00 
360,000 00^ 
96,000 00 
34,000 00 
20,000 00 
6,500 00 
10,200 00 
4,300 00 
6,750 00 J 
65,500 00 
240,000 00 
6,600 00 
80,000 00 
378,000 00 
6,250 00^ 
6,900 00 
6,480 00 
10,400 00 
4,700 00 
21,600 00 
2,340 00 
3,700 00 
13,500 00^ 
10,500 00 • 
8,900 00^ 
5,300 00 
500,000 00 
62,400 00 
43,650 00>| 
38,000 00 ' 
19,200 00 ! 
22,500 00 J 
19,000 00 
32,000 00 
2,540 00 
10,400 00<J 
23,975 00^ 
93,600 00 ( 
15,500 00 i 
20,000 00 J 
160,000 00 



Amount, loai.ed 

$50,000 00 

300,000 00 
100,000 00 
250,000 00 



}> 375,000 00 



50,000 CO 

55,000 00 

5,500 00 

30,000 00 

300,000 00 



50,000 00 



20,000 00 

4,500 00 

400,000 00 

50,000 00 

j> 100,000 00 



50,000 00 

75,000 00 
120,000 00 



108 



LIFE INSURANCE COMPANIES [Dec. 31, 



West Jersey & Atlantic Railroad stock, . 
Consolidated Gas Company stock, . 
Chicago & West Indiana Railroad bonds, 
Richmond & Danville Railroad bonds, 
Toledo, St. Louis & Kansas Railroad bonds, 
Nashville, Chattanooga & St. Louis R R bonds 
St. Louis, Kansas City & Northern R.R. bonds 
Chicago, St Louis & Paducah Railroad bonds 
Toledo, Peoria & Western Railroad bonds, 
Laclede Gas Light Company bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Lake Shore & Michigan Southern R.R. stock 
Delaware & Hudson Canal Company stock, 
Consolidated Gas Company stock, . 
Wheeling & Lake Erie Railroad stock, . 
Cleveland, Cin , Chic. & St Louis R.R. stock, 
Delaware & Hudson Canal Company bonds, 
Canada Southern Railroad bonds, 
Delaware, Lackawanna & Western R.R. stock 
Lake Shore & Michigan Southern R.R. stock 
Chicago & Northwestern Railroad stock, 
Iowa Central Railroad bonds, . 
Canada Southern Railroad bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds 
Fort Worth & Denver City Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Northern Pacific Railroad bonds, 
Columbus Consolidated Street Railroad bonds 
Scioto Valley & New England Railroad bonds 
Sandusky, Mansfield & Newark Rail road bonds 
State Line & Sullivan Railroad bonds, 
Pennsylvania Railroad stock, . 
Bank of New York stock, 
L nion Trust Company stock, . 
Pennsylvania Railroad stock, . 
Louisville, New Orleans & Texas R.R. bonds 
Memphis & Charleston Railroad bonds, . 
East Tennessee & Virginia Railroad bonds, 
Chicago, Rock Island & Pacific Railroad stock 
Chicago & Northwestern Railroad stock, . 
Tennessee Settlement bonds, . 
Louisville, New Orleans & Texas R.R. bonds 
Pennsylvania Railroad stock, . 
Denver & Rio Grande Railroad bonds, 
New York, Chicago & St. Louis Railroad bonds 
Nashville, Chattanooga & St. Louis R R. bonds 
Memphis & Charleston Railroad bonds, . 
Louisville, New Orleans & Texas R R. bonds 



Market value. 

$7,500 00 
950 00 

2,320 00 
2,000 00 
1,080 00 \ 
1,270 00 ' 
1,070 00 
2,000 00 
3,800 1)0 
3,900 00 
7,400 00 
21,000 00^ 
13,100 00 
4,180 00 
6,700 00 } 
9,200 00 
4.200 00 
4,750 00 
13,000 00>| 
10,500 00 
10,400 00 
7,110 00 
1,900 00 y 
13.600 00 
990 00 
1,170 00 
2,430 00 J 
61,750 00 > 
46,080 00 [ 
9,450 00 
8,500 00 J 
72.700 00 > 
25,000 00 
40,000 00 > 
5,000 00 >| 
80,000 00 



60,000 00 



8,800 00 J 
20,700 00 > 



Amount loaned. 

$6,000 CO 



9,100 00 






20,800 00 
44,800 00 
48,000 00 
25,000 00^ 
8,100 00 
1,800 00 
12,600 00 ^ 

2,400 00 
88,000 00 J 



10,000 00 



50,000 00 



50,000 00 



100,000 00 



100,000 00 



[> 100,000 00 



}> 100,000 00 



100,000 00 



1890.] 



OF OTHER STATES. 



109 



Market value. Amount loaned. 

United New Jersey ll.R. & Canal Co. stock, . $0,075 00 ) $10 000 00 

Mutual Union bonds, . . . . . 10,300 00 S 



$12,177,599 00 §8,624,400 00 



Schedule B. 
Stocks and Bonds owned by the Company. 



United States bonds, . 
Austrian government rentes, 
British consols, . 
Dominion of Canada, 
Victorian government stock, 
State of Georgia, 
State of Minnesota, . 
State of South Carolina, . 
State of Tennessee, . 
Province of New Brunswick, Can. 
Province of Nova Scotia, Can , 
Atchison County, Kan., 
Bexar County, Tex., . 
Butler County, O , 
Chatham County, Ga , 
Douglas County, Neb , 
Franklin County, O., 
Franklin County, Ky., 
Hamilton County, Tenn., 
Hancock County, O , 
Hennepin County, Minn., 
Hudson County, N. J , 
Kent County, Mich., . 
Lucas County, O , 
Marion County, Ind , 
McLennan County, Tex , 
Montgomery County, la., 
Owen County, Ky., . 
Ramsey County, Minn., 
Richland County, Wis., 
Shawnee County, Kan., 
Sedgwick County, Kan., 
Vanderburgh County, Ind 
Wells County, Ind., . 
Woodbury County, la., 
Atlanta, Ga., 
Augusta, Ga., . 
Colorado Springs, Col., 
Columbus, O , . 
Council Bluffs, la., . 



Book value. 

$319,275 00 

41,815 64 

99,422 81 

157,545 00 

24,250 00 

1,037,600 00 

100,935 00 

292,486 30 

372,750 00 

100,600 00 

411,115 00 

126,237 60 

50,705 00 

75,907 00 

62,942 10 

59,983 60 

144,073 80 

62,657 20 

208,440 00 

28,408 10 

201,880 00 

316,950 00 

141,861 00 

36,808 10 

40,010 00 

75,488 00 

50.670 00 
100,000 00 
305,485 00 

20,128 50 

31.671 00 
257,980 00 
104,897 50 
124,687 50 
125,000 00 

97,390 80 
15,750 00 
64,686 00 
50,180 00 
40,180 00 



Market value. 

§327,402 00 

37,931 00 

92.877 50 
158,550 00 

24,250 00 

1,116,700 00 

97,940 00 

290,590 00 

345,000 00 

100,600 00 

412,791 00 

126,570 00 

52,510 00 

75,486 00 

62,940 00 

61,352 00 

146,55 L 00 

64.207 00 
210,940 00 

28,876 00 
201,880 00 
338,040 00 
148,568 00 

36,810 00 

40.208 00 
78,519 00 
51,295 00 

101,670 00 
318,970 00 

20.878 00 
31,671 00 

265,105 00 

104,898 00 

125,625 00 

125,000 00 

100,438 00 

17,463 00 

64,686 00 

51,015 00 

40,680 00 



110 



LIFE INSURANCE COMPANIES [Dec. 31, 



Des Moines, la., 

Duluth, Minn., . 

East Taeoma, Wash., 

Elizabeth, N. J., 

Evansville, Ind., 

Fostoria, O., 

Fort Worth, Tex., . 

Galveston, Tex., 

Guelph, Ontario, Can., 

Helena, Mont , . 

Hyde Park, 111 , 

Jackson, Mich.,. 

Jersey City, N. J., . 

Joliet, 111 , . 

Kansas City, Kan., . 

Lake, 111 , . 

Lincoln, Neb , . 

Memphis, Tenn , 

Minneapolis, Minn , . 

Montreal, Can , . 

Nashville, Tenn , 

Newark, N. J., . 

New Brunswick, N. J., 

Omaha, Neb., . 

Orange, N. J., . 

Ottawa, Can , . 

Richmond, Va , . 

St. Paul, Minn ,. 

San Antonia, Tex., . 

San Francisco, Cal , . 

Savannah, Ga., . 

Spokane Falls, Wash., 

Stillwater, Minn , 

Waco, Tex., 

Albany & Susquehanna Railroad, 

Ashtabula & Pittsburgh Railroad, 

Atlanta & Charlotte Air Line Railroad, 

Atlantic & Gulf Railroad, 

Baltimore & Ohio Railroad, 

Bleecker Street & Fulton Ferry Railroad. 

Bushwick Railroad, . 

Cairo & Fulton Railroad, 

Cedar Rap , Iowa Falls & Northwestern R.R 

Central Park, North & East Rivers Railroad, 

Central R.R. & Banking Co. of Georgia, 

Charlotte, Columbia & Augusta Railroad, 

Chatcaugay Railroad, .... 

Chesapeake & Ohio Railroad, . 



Book value. 

$23,884 80 

52,015 00 

106,330 00 

319,945 20 

452,320 00 

6,223 20 

101,230 00 

323,434 10 

132,404 53 

100,750 00 

53,715 00 

67,8G6 50 

524,908 65 

51,540 00 

105,325 20 

101,111 50 

98,560 00 

99,915 00 

209,100 00 

313,410 00 

373,671 00 

283,959 00 

22,253 20 

219,272 00 

20,060 00 

42,536 00 

9,928 00 

585,470 00 

102,005 00 

230,638 50 

30,000 00 

110,780 00 

31,023 50 

40,388 00 

1,229,795 20 

92,453 40 

291,325 00 

475,632 30 

613,450 00 

39,375 00 

50,080 00 

430,000 00 

242,776 40 

117,400 00 

835,571 00 

93,693 60 

222,380 00 

482,206 00 



Market value. 

§21,550 00 
52,480 00 

108, 83* J 00 
283,200 00 
452,320 00 
6,343 00 
101,230 00 
333,559 00 
137,398 00 
100,750 00 

53,715 00 

68,276 00 
570,925 00 

52,580 00 
107,447 00 
104,680 00 

98,560 00 
102,208 00 
216,960 00 
315,420 00 
414,640 00 
325,269 00 

24,274 00 
224,762 00 

20,476 00 

42,536 00 

28 00 

619,446 00 

106,805 00 

252,792 00 

31,149 00 
110,780 00 

31,272 00 

40,388 00 
1,353,060 00 

94,478 00 
293,750 00 
475,632 00 
628,740 00 

40,023 00 

50,080 00 
430,000 00 
241,470 00 
117,980 00 
844,606 00 

94,310 00 
233,480 00 
513,922 00 



1890.] 



OF OTHER STATES. 



Ill 



Chicago & Eastern Illinois Railroad, 
Chicago & Northwestern Railroad, . 
Chicago & St. Louis Railroad, . 
Chicago & Southwestern Railroad, . 
Chicago, Milwaukee & St. Paul Railroad, 
Chicago, St. Paul, Minneapolis & Omaha R.R, 
Cincinnati & Springfield Railroad, . 
Cincinnati, Hamilton & Dayton Railroad, 
Cincinnati, Ind'polis, St. Louis & Chic. R.R., 
Cincinnati, Sandusky & Cleveland Railroad, 
Citizens' Gas Light Company, Brooklyn, 
Cleveland & Mahoning Valley Railroad, 
Cleveland, Columbus, Cin. &Ind'polis R.R., 
Cleveland, Lorain & Wheeling Railroad, 
Columbus & Indiana Central Railroad, . 
Columbus & Toledo Railroad, . 
Corrigan Consolidated Street Railway, . 
Covington & Lexington Railroad, . 
Delaware & Hudson Canal Company, 
Duluth & Manitoba Railroad, . 
Eastern Railway of Minnesota, 
East Tenn., Virginia & Georgia Railroad, 
Elmira, Cortland & Northern Railroad, . 

Erie Railroad, 

Evansville & Terre Haute Railroad, 
Flint & Pere Marquette Railroad, 
Florida, Central & Pennisular Railroad, . 
Galveston, Harrisburg & San Antonio R.R., 
Georgia Pacific Railroad, .... 
Georgia Railroad & Ranking Company, . 
Grand Rapids, Lansing & Detroit Railroad, 
Hackensack Water Company, . 
Hannibal & St Joseph Railroad, 
Housatonic Railroad, .... 

Houston & Texas Central Railroad, 
Illinois Central Railroad, .... 
Indiana, Bloomington & Western Railroad, 
Indianapolis & St. Louis Railroad, . 
Indianapolis, Decatur & Springfield Railroad, 
James River Valley Railroad, . 
Jeffursonville, Madison & Indianapolis R.R , 
Kansas City, St. Joseph & Council Bluffs R.R 
Laclede Gas Light Company, St Louis, . 
Lake Erie & Western Railroad, 
Lake Shore & Michigan Southern Railroad, 
Long Branch Water Supply Company, . 
Louisville, New Albany & Chicago Railroad, 
Memphis & Charleston Railroad, 



Book value. 
$51,505 00 
1,949,566 00 

97,730 40 
170,520 00 
1,929,184 00 
532,550 00 
271,895 00 
376,233 00 
195,520 00 
519,950 00 

50,690 00 
188,247 50 
325,604 50 
287,626 50 

65,207 00 
214,949 70 

50,075 00 
100,000 00 
379,953 00 
102,400 00 
240,825 00 
108,230 00 
293,430 00 
113,009 60 
287,625 00 
625,350 00 
235,425 00 
148,981 20 

64,000 00 
342,816 00 
243,850 00 
201,540 00 
562,350 00 

52,535 00 

55,285 00 
1,065,130 00 
127,293 50 
449,640 00 
200,958 80 
365,190 00 
109,720 80 
461,000 00 
159,020 00 
250,000 00 
1,709,300 00 
101,700 00 
128,102 50 
218,260 00 



Market value. 

f56,500 00 
2,092,468 00 

99,708 00 
178,830 00 
2,068,432 00 
580,000 00 
298,970 00 
405,004 00 
192,000 00 
520,000 00 

51,310 00 
188,073 00 
360,800 00 
295,122 00 

66,571 00 
226,876 00 

50,000 00 
100,420 00 
466,200 00 
103,000 00 
248,125 00 
108,230 00 
304,500 00 
121,495 00 
287,625 00 
660,000 00 
212,500 00 
137,350 00 

67,840 00 
368,516 00 
248,050 00 
208,000 00 
572,500 00 

51,915 00 

69,250 00 
1,075,440 00 
133,768 00 
492,355 00 
187,670 00 
357,000 00 
113,680 00 
481,200 00 
156,000 00 
263,750 00 
1,828,300 00 
103,370 00 
135,000 00 
240,000 00 



112 



LIFE INSURANCE 



Michigan Central Railroad. 
Milwaukee & Northern Railroad, 

Milwaukee, Lake Shore & Western Railroad, 

Minneapolis & St Louis Railroad, 

Minneapolis Gas Light Company, 

Minneapolis Street Railway, 

Mobile & Girard Railroad, 

Mobile & Ohio Railroad, . 

Montgomery & Eufaula Railroad, 

Morgan's Louisiana & Texas R.R & S S. Line, 

Municipal Gas Light Company, Yonkers, 

Nashville & Decatur Railroad, . 

Nashville, Chattanooga & St. Louis Railroad, 

National Waterworks Company, Kansas City, 

New York Central & Hudson River Railroad, 

New York, Chicago & St. Louis Railroad, 

New York, Lackawanna & Western Railroad, 

New York, Pennsylvania & Ohio Railroad, 

Norfolk & Petersburgh Railroad, 

Ocean Steamship Company, .... 

Ohio & Mississippi Railroad, .... 

Pittsburgh & Western Railroad, 

Pittsburgh Junction Railroad, .... 

Pittsburgh, Painesville & Fairport Railroad, . 

Richmond & Danville Railroad, 

Richmond, York River & Chesapeake R R., . 

Rome, Watertown & Ogdensburg Railroad, . 

San Antonio & Aransas Pass. Railroad, . 

St Paul & Duluth Railroad, 

St. Paul City Railway, 

Staten Island Rapid Transit Railroad, 

South Carolina Railroad, . 

South Georgia & Florida Railroad, 

South Side of Virginia Railroad, 

Syracuse, Binghamton & New York Railroad, 

Texas & New Orleans Railroad, 

Texas & Pacific Railroad, 

Union Passenger Railway Company, Phila., 

Valley Railroad of Ohio, . 

Virginia & Tennessee Railroad, 

Virginia Midland Railroad, 

Wabash Railroad, 

Warren & Franklin Railroad, . 

Western Transit Company, 

Western Railroad of Alabama, 

Western Union Telegraph Company 

Wheeling & Lake Erie Railroad, 

Albany & Susquehanna Railroad stock, 



tfPANIES 


[Dee. 31, 


Book value. 


Market value. 


11,326,725 00 $1,401,42U 


320,780 00 


I 00 


23,386 00 


00 00 


184,954 00 


148,; 


211,180 00 


217.12') 00 


130,650 00 


148,889 00 


370,770 10 


376,397 


155,577 60 


163,520 00 


179,588 00 


184,977 00 


265,550 00 


300,000 00 


26,713 80 


27,000 00 


429^24 00 


426,144 00 


344,665 10 


377,614 00 


133,755 60 


137,824 00 


002,000 00 


630,000 00 


501,000 00 


458,640 00 


1,067,000 00 


l,270,ooij 00 


.298 00 


59,2o2 00 


78,950 60 


- 00 


28,680 00 


30,i 


103*500 00 


102,755 00 


128,419 50 


123,750 00 


400,000 00 


472,080 00 


114,684 20 


112,100 00 


561,900 00 


509,450 00 


316,061 00 


318,877 


• 00 




179,720 00 


120,000 00 


55,655 00 




281,608 50 


339,720 00 


247 00 


23,562 00 


J. 800 00 


522,500 00 


60,285 60 


61,700 


34,000 00 


.719 00 


273,938 00 


313,565 00 


657,780 00 


740,700 00 


92,100 00 


00 


28,782 00 


29,120 00 


34,924 70 


35,009 


211 40 


77,841 00 


260,000 00 


271,925 00 


486,850 00 


490,000 00 


109,110 00 


112,030 00 


399,200 00 


419,120 00 


1,546,857 50 


1,564,293 00 


621,980 00 


605,170 00 


235,375 00 


262,500 00 


30,341 70 


33,280 00 



1890.] 



OF OTHER STATES. 



113 



Chicago, Milwaukee & St. Paul Railroad, 

Chicago & Northwestern R.R. preferred stock, 

Delaware & Hudson Canal Company stock, 

Georgia Railroad & Banking Company stock, 

Massawippi Valley Railroad stock, . 

Morris & Essex Railroad stock, 

New York & Harlem Railroad stock, 

N. Y , N. H. & Hartford Railroad stock, 

Naugatuck Railroad stock, 

N. Y , Providence & Boston R.R stock, 

Pennsylvania Railroad stock, . 

Pitts., Ft. Wayne & Chicago Railroad stock, 

United New Jersey R.R. & Canal Co. stock, 

Real Estate Ex. and Auction Room stock, 



Book value. 

^342,953 50 

626,803 00 

153,005 80 

159,798 15 

35,000 00 

30,797 00 

864,146 95 

258,001 67 

143,552 55 

526,441 41 

435,012 50 

15,225 00 

60,408 78 

1,000 00 



Market value. 

$305,580 00 

607,500 00 

161,304 00 

162,400 00 

35,585 00 

37,500 00 

1,199,475 00 

325,890 00 

196,000 00 

743,400 00 

391,000 00 

15,000 00 

61,650 00 

1,000 00 



$51,311,631 54 $53,929,451 50 



"THE MUTUAL BENEFIT LIFE INSURANCE COMPANY/' 

NEWARK, N. J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary.. 

Income. 
New premiums without deductions, 



Renewal premiums, .... 
Premiums paid by dividends, . 
Premiums paid by surrendered policies, 
Cash received for annuities, 



Total, ... 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, 



Total income, 
Net or ledger assets Dec. 31, 1889, 



Total, 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 



$819,436 11 

3,705,228 44 

1,212,315 32 

194,228 85 

46,661 25- 

fo,977,869 97 

2,441,596 88 

895 06 

33,753 98 

36,674 78 

f8,490,790 67 
43,593,847 86 

f52,084,638 53 



$2,912,760 59 

164,567 58 

205,515 25 

3,093 18 

$3,285,936 60 



114 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, includingreconverted additions applied 

in payment of premiums, ...... 

Cash dividends paid policy-holders, -$193,3 1G 94 ; applied in 

payment of premiums, $1,212,315 32, .... 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising and legal expenses, 

for expenses on real estate, .... 



$34,936 89 
315,889 06 

119,867 77 

194,228 85 

1,405,632 26 

22,307 08 

$5,378,798 51 

690,616 21 

54,279 42 

144,812 77 

170,804 19 

89,496 85 

19,792 51 



Total disbursements, $6,548,600 40 



Balance, 



$45,536,038 07 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Premiums in transit (since received), 

Ledger assets (as per balance), 



$860,453 68 

24,398,133 61 

3,548,950 00 

959,444 31 

4,195,658 77 

10,759,602 84 

235,485 66 

432,392 36 

1,572 14 

144,344 70 

£45,536,038 07 



Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent ), . 

Net amt of uncollected and deferred prem's, 

Total assets per company's books, . 



£147,402 02 
409,532 52 

$556,934 54 
111,386 91 



673,306 87 
344,102 00 



445,547 63 
$46,998,994 57 



1890.] OF OTHER STATES. 115 

Items not admitted. 

Agents 1 balances, $1,572 14 



Total admitted assets, $46,997,422 43 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . f 43, 168,935 00 

Death losses and matured endowments in 

process of adjustment, $134,782 07 

Claims resisted by the company, . . . 7,000 00 

Total policy claims, - 141,782 07 

Unpaid dividends of surplus due policy-holders, . . . 219,958 22 

Premiums paid in advance, 2,724 45 



Liabilities as to policy-holders, $43,533,399 74 

Surplus as regards policy-holders, 3,464,022 69 



Gross liabilities, f 46,997,422 43 

Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $4,217,702 93 

Premium notes received during 1890, . . 355,771 83 

Total, $4,573,474 76 

Used in payment of losses and claims, . . $167,660 76 
Used in payment of surrendered policies and 

voided by lapse, 119,867 77 

Used in payment of dividends to policy-holders, 22,307 08 

Redeemed by maker in cash, .... 67,980 38 

Total', 377,815 99 



Balance note assets Dec. 31, 1890, $4,195,658 77 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 45,452 $123,862,279 00 
Endowment, . . . 12,798 30,647,862 00 

All other 3,077 7,895,052 00 

Reversionary additions, . - 211,821 00 

61,327 $162,617,014 00 

Policies issued during the Year. 

Whole life, . . . 5,771 $ 15,725,736 00 
Endowment, . . . 2,627 6*129,371 00 
All other, .... 785 1,908,306 00 

9,183 23,763,413 00 



116 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Old Policies revived. 

Number. Amount. Total No. 

44 |109,500 00 
19 45,000 00 
63 

Old Policies increased. 

9 $24,950 00 

9 23,511 00 

18 



Total Amount. 



$154,500 00 



Additions by dividends, 
Total, . 



48,461 00 
192,618 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
. 3,358 $9,118,711 00 
. 1,334 2,812,682 00 
745 2,003,669 00 



70,591 $186,776,006 00 





5,437 


$13,935,062 00 




How terminated. 


By death, . 


. 1,018 


$3,003,036 00 


maturity, 


131 


213,043 00 


expiry, 


611 


1,632,207 00 


surrender 


. 1,669 


4,283,357 00 


lapse, . 


. 1,126 


2,565,071 00 


Not taken, . 


882 


2,238,348 00 




Policies in force Dec. 31, 189 


Whole life, 


. 47,918 $130,603,754 00 


Endowment, 


. 14,119 


34,033,062 00 


All other, . 


. 3,117 


7,816,536 00 


Reversionary 


additions, . - 


387,592 00 



5,437 13,935,062 00 



65,154 $172,840,944 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Essex County Nat'l Bank stock, Newark, N. J., 
Newark City Nat'l Bank stock, Newark, N. J , 
National Newark Banking Compan} 7 stock, 
Second National Bank stock, Newark, N. J., . 
National State Bank stock, Newark, N. J., 
Manufacturers 1 Nat'l Bank stock, Newark, N. J., 
Merchants 1 Nat'l Bank stock, Newark, N. J., . 
American Insurance Co. scrip, Newark, N. J., . 
Citizens 1 Gas Light Co. stock, Newark, N. J., . 



Amount loaned. 

$10,000 ool 
14,000 00 

6,000 00 

2,600 00 

6,225 00 \ 

3,600 00 

2,100 00 
12,480 00 

8,250 00 J 



1890.] 



OF OTHER STATES. 



117 



Morris & Essex Railroad bonds, 
Citizens' Gas Light Co. stock, Newark, N. J., 
National State Bank stock, Newark, N. J., 
National Newark Banking Company stock, 
Merchants' Fire Insurance stock, Newark, N. J 
Firemen's Insurance Co. stock, Newark, N. J 
East Cleveland Horse Railroad Co. stock, 
Pennsylvania Railroad stock, . 
Newark City National Bank stock, . 
Western Union Telegraph Company stock, 
Consolidated Gas Company stock, New York, 
Chicago, Rock Isl & Pacific Railroad stock, 
Lake Erie & Western Railroad stock, 
Cleve., Cin., Chicago & St. Louis R.R. stock, 
Denver & Rio Grande Railroad bonds, 
Columbus, Hocking V. & Toledo R.R bonds, 
Lehio-h & Wilkesbarre Railroad bonds, . 
Canada Southern Railroad bonds, 
Western Union Telegraph Company bonds, 
Wabash Railway bonds, .... 
Newark Gas Light Company stock, . 
Western Union Telegraph Company stock, 
Newark Gas Light Company stock, . 
Citizens' Gas Light Co. stock, Newark, N. J., 
West Shore Railroad bonds, 
West Shore Railroad bonds, 
Missouri Pacific Railroad bonds, 
Delaware, Lack. & Western Railroad stock, 
Missouri Pacific Railroad stock, 
Western Union Telegraph Companj 7 stock, 
Chicago, St. Paul, Minn & Omaha R.R. stock, 
N Y., New Haven & Hartford Railroad stock, 
Mil., Lake Shore & Western R.R stock, . 
Cleveland, Cin., Chic. & St. Louis R.R. stock, 
Louisville & Nashville Railroad stock, . 
Mil., Lake Shore & Western Railroad bonds, 
Canada Southern Railroad bonds, 
Trenton Water Companj 7 bonds, Trenton, Mo 
Western Union Telegraph Company stock, 
American Telegraph and Cable Co. stock, 
Manhattan Elevated Railroad stock, . 
Rome, Watertown & Ogdensburg R.R. stock, 
Lake Erie & Western Railroad stock, 
Chicago & Northwestern Railroad stock, . 
Boston, Hoosac Tunnel & Western R.R. bonds 
Texas & Pacific Railroad bonds, 
Wabash Railroad bonds, .... 



Market value. 

$7,700 00 
66,000 00 
750 00^ 



Amount loaned. 

$5,500 00 
50,000 00 



900 00 ! 
3,960 00 , 
660 00 j 
72,000 00 
15,000 00 
2,100 00 
7,600 00>| 
47,375 00 
14,100 00 
5,475 00 
2,987 00 
16,100 00 j> 
10,425 00 
5,500 00 
2,120 00 
4,950 00 
8,760 00 J 
15,000 00 
15,200 00 
3,700 00 
8,250 00 
5,075 00 
12,180 00 
62,400 00 
66,000 00 
12,200 00 ) 
22,800 00 
7,800 00 
7,500 00 
10,650 00 } 
5,378 00 
21,900 00 
2,955 00 
31,800 00 J 
64,000 00 
38,000 00^ 
3,750 00 ' 
28,725 00 
9,800 00 _ 
5,500 00 } 
10,500 00 
19,000 00 
8,500 00 
2,910 00J 



5,000 00 

60,000 00 
15,000 00 



100,000 00 



10,000 00 
17,500 00 

5,000 00 

3,950 00 

10,000 00 

100,000 00 



100,000 00 



40,000 00 



100,000 00 



118 



LIFE INSURANCE COMPANIES [Dec. 31, 



Western Union Telegraph Company stock, 
Cleveland, Cin., Chic. & St. Louis R.R. stock, 
Tennessee Coal & Iron Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Cleveland & Canton Railroad bonds, 
Seattle, Lake Shore & Eastern R R bonds, 
Scioto Valley & New England R R. bonds, 
Missouri Pacific Railroad stock, 
Western Union Telegraph Company stock, 
Canada Southern Railroad stock, 
Richmond & W. P. T. R R. & W. Co. stock, 
St. Paul, Minn. & Manitoba Railroad stock, 
Pullman Palace Car Company stock, 
Louisville & Nashville Railroad stock, 
Savannah & Western Railroad bonds, 
New York city bonds, .... 
Colorado Midland Railroad bonds, . 
State of Massachusetts bonds, . 
Scioto Valley & New England Railroad bonds 
Western Union Telegraph Company stock, 
Manhattan Elevated Railroad stock, 
Pullman Palace Car Company stock, 
Missouri Pacific Railroad stock, 
Central Railroad of New Jersey bonds, . 
Western Union Telegraph Company stock, 
Lake Erie & Western Railroad stock, 
Illinois Central Railroad stock, 
Missouri Pacific Railroad stock, 
Manhattan Elevated Railroad stock, . 
N. Y., Lake Erie & Western Railroad bonds, 
Wabash Railroad bonds, .... 
Chicago, Mil. & St. Paul Railroad bonds, . 
Northern Pacific Railroad stock, 
AVestern Union Telegraph Company stock, 
Delaware, Lack. & Western Railroad stock, 
Cleveland, Cin., Chic & St. Louis R.R stock, 
Great Northern Railroad stock, 
Consolidated Gas Company stock, New York, 
Missouri Pacific Railroad stock, 
Atchison, Topeka & Santa Fe Railroad bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Manhattan Elevated Railroad stock, . 
Western Union Telegraph Company stock, 
Central Railroad of New Jersey stock, 
Lake Erie & Western Railroad stock, 
Richmond & West P. T. RR. & W. Co bonds 
Savannah & Western Railroad bonds, 
Metropolitan Elevated Railroad bonds, . 



[ §200,000 00 






Market value. Amount loaned. 

(144,400 001 

5,975 00 
45,375 00 

7,900 00 

5,400 00 

25,000 00 

6,950 00 

3,050 00 J 

7,600 001 
14,550 00 
13,400 00 

4,975 00 

4,525 00 

7,300 00 }> 
35,200 00 

6,750 00 

7,050 00 
19,950 00 

6,950 00 J 
22,800 00 1 
28,725 00 | 
72,400 00 )> 100,000 00 

6,100 00 | 

2,180 00 J 
22,800 00^ 
33,000 00 

6,499 00 
18,300 00 
38,300 00 

4,837 00 

1,940 00 

6,100 00 j 
12,800 001 
22,800 00 ' 

6,600 00 

5,975 00 

21,600 00 \ 100,000 00 
18,950 00 
30,500 00 

4,000 00 j 

2,220 00 J 
57,450 00) 

1,140 00 
42,200 00 
16,500 00 > 

5,440 00 

3,520 00 

1,143 00 J 



} 100,000 00 



1890.] 



OF OTHER STATES. 



11!) 



Western Union Telegraph Company stock, 

Pullman Palace Car Company stock, 

Cleveland & Canton Railroad bonds, 

Seattle, Lake Shore & Eastern Railroad bonds 

St. Paul, Minn & Manitoba Railroad stock, 

Missouri Pacific Railroad stock, 

Western Union Telegraph Company stock, 

Chicago, Mil. & St. Paul Railroad stock, . 

Central Railroad of New Jersey stock, 

Lake Erie & Western Railroad stock, 

Great Northern Railroad stock, 

Pullman Palace Car Company stock, 

Richmond & West P. T. R.R. & W. Co. bonds 

Canada Southern Railroad stock, 

Louisville & Nashville Railroad stock, 

Great Northern Railroad stock, 

St. Paul, Minn. & Manitoba Railroad stock, 

Brooklyn city bonds, . . . . . 

Northern Pacific Railroad bonds, 

New Rochelle bonds, . . . • . 

Missouri Pacific Railroad stock, 

St Louis, Alton & Terre Haute Railroad stock, 

American Telegraph & Cable Company stock, 

Pullman Palace Car Company stock, 

Manhattan Elevated Railroad stock, 

Western Union Telegraph Company stock, 

Canada Southern Railroad stock, 

East Tenn , Virginia & Georgia R R. stock, 

Belleville & Southern Illinois R.R- bonds, 

Union Pacific Railroad bonds, . 

Missouri Pacific Railroad bonds, 

Rio Grande Western Railroad bonds, 

West Shore Railroad bonds, 

Manhattan Elevated Railroad stock, . 

Western Union Telegraph Company stock, 

Missouri Pacific Railroad stock, 

Lake Erie & Western Railroad stock, 

St Louis, Alton & Terre Haute R R. bonds, 

Missouri Pacific Railroad bonds, 

Chicago, Milwaukee & St. Paul R R. bonds, 

Peoria & Eastern Railroad bonds, . 

St Louis & Iron Mountain Railroad bonds, 

Rio Grande Western Railroad bonds, 

Milwaukee, Lake Shore & Western R.R. stock 

Louisville & Nashville Railroad stock, . 

Flint & Pere Marquette Railroad stock, . 

Flint & Pere Marquette Railroad bonds, . 

Wabash Railroad bonds, .... 

Colorado Midland Railroad bonds, . 



Market value. 

$91,200 00^ 
18,100 00 I 
5,400 00 j 
10,000 00 j 
39,800 00^ 
33,550 00 
45,600 00 
10,475 00 
73,850 00 }> 
27,500 00 
14,400 00 
18,100 00 
2,040 00 J 
9,700 00^1 
36,500 00 
14,400 00 
19,900 00 \ 
9,695 00 
12,225 00 
22,400 00 J 
24,400 00 ^ 
47,286 00 
7,500 00 
1,086 00 
9,575 00 
5,700 00 
4,850 00 )> 
2,065 00 
1,100 00 
1,030 00 
11,550 00 
3,775 00 
2,030 00 
28,725 00^ 
30,400 00 
13,725 00 
2,750 00 
7,560 00 
3,850 00 
5,275 00 
5,920 00 
4,500 00 
22,650 00 J 
79,875 00^ 
21,900 00 
16,000 00 
2,970 00 
3,650 00 
4,900 00 J 



Amount loaned 



$100,000 00 



200,000 00 



100,000 00 



100,000 00 



;> 100,000 oo 



} 100,000 00 



120 



LIFE INSURANCE COMPANIES [Doc. 31, 



Pullman Palace Car Company stock, 
Northern Pacific Kail road stock, 
Missouri Pacific Railroad stock, 
Consolidated Gas Company stock, New York 
Central Railroad of New Jersey stock, . 
Nashville, Chatt. & St. Louis Railroad stock. 
Wabash Railroad bonds, .... 
Chicago, Burlington & Quincy R.R stock, 
American Telegraph & Cable Co stock, . 
Albany & Susquehanna Railroad stock, . 
Pennsylvania Railroad stock, . 
Rensselaer & Saratoga Railroad stock, . 
Wabash Railroad bonds, .... 
Missouri Pacific Railroad bond-. 
Lehigh & Wilkesbarre Railroad bonds, . 
Fort Worth & Denver City Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Utah Southern Railroad bonds, 
Columbus, Hocking Val. & Tol. R.R. bonds, 
Rich. & \V. P't Ter R.R. & Ware Co. bonds, 
Cairo, Arkansas & Texas Railroad bonds, 
Northern Pacific Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Rich. & W. Ft Ter. R R & Ware Co. stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Missouri Pacific Railroad stock, 
Lake Erie & Western Railroad stock, 
Great Northern Railroad stock, 
Pullman Palace Car Company stock, 
St. Louis & Iron Mountain Railroad bonds, 
Rich. & W. P't Ter R.R. & Ware Co. bonds, 
Cleveland & Canton Railroad "bonds, 
Standard Gas Company of New York stock, 
Central P'k,N. & East Riv's Horse R.R stock, 
Nashville, Chattanooga & St. Louis R R. stock, 
Michigan Central Railroad stock, . 
Missouri, Kansas & Texas Railroad bonds, 
Manhattan Elevated Railroad stock, 
Lake Shore & Mich. Southern Railroad stock, 
Oregon Railway & Navigation Co. stock, 
Western Union Telegraph Company stock, 
Chicago, Rock Island & Pacific R.R stock, 
Missouri Pacific Railroad stock, 
Milwaukee, Lake Shore & West. R.R. stock, . 
Canada Southern Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Manhattan Elevated Railroad bonds, 



100,000 00 



Market value. Amount loaned. 

$27,150 I 
6,400 00 
21,350 00 

9,475 00 \ $100,000 00 
10,550 I 
3G,100 00 
24,300 00 
7,200 00 ^ 
11,250 00 
5,115 00 
-800 00 
3,400 00 
29,100 00 
4,560 00 
15,400 00 
8,910 00 } 
5,075 00 
10,900 00 
10,600 00 
2,400 00 
3,400 00 
2,060 00 
1,630 00 
790 00 
6,700 001 
9,575 00 
41,800 00 
12,200 00 
14,850 00 
14,400 00 
18,100 00 
5,450 00 
4,080 00 
4,500 00 J 
8,000 00 ^ 
12,000 00 | 
9,025 00 \ 
51,000 00 I 
40,700 00 J 
19,150 00 1 
10,650 00 
7,900 00 
45,600 00 
7,050 00 
14,030 00 
8,800 00 
3,800 00 
4,060 00 
1,200 00 J 



} 100,000 00 



100,000 00 



J> 100,000 00 



1890.] 



OF OTHER STATES. 



121 



Delaware, Lackawanna & Western R.R. stock, 

Lake Erie & Western Railroad stock, 

Central Railroad of New .Jersey stock, . 

Manhattan Elevated R.R stock, 

Chicago, St. Louis & New Orleans R R bonds, 

Missouri Pacific Railroad stock, 

Rome, Watertown & Ogdensburg R R. stock, 

Manhattan Elevated Railroad stock, 

Western Union Telegraph Company stock, 

Pullman Palace Car Company stock, 

Texas & Pacific Railroad bonds, 

St. Louis & Iron Mountain Railroad bonds, 

Holland Trust Company, New York, 

Tradesmen's National Bank, New York, 

United States Express Company stock, . 

American Express Company stock, . 

Newark Gas Light Company stock, . 

American Insurance Co. scrip, Newark, N. J 

Canada Southern Railroad stock, 

Merchants' Nat'l Bank stock, Newark, N. J., 

Citizens 1 Gas Light Co stock, Newark, N. J., 

United States Trust Co stock, New York, 

New York, Lake Erie & Western R R bonds, 

Oswego & Rome Railroad bonds, 

South Orange Village note, 

Missouri Pacific Railroad bonds, 

Delaware, Lackawanna & Western R.R stock 

Cleveland, Cin , Chic. & St. Louis R R. stock, 

Missouri Pacific Railroad stock, 

Western Union Telegraph Company stock, 

Manhattan Elevated Railroad stock, 

Canada Southern Railroad stock, 

St. Paul, Minneapolis & Manitoba R.R. stock, 

Pullman Palace Car Company stock, 

Central Railroad of New Jersey stock, . 

Lake Erie & Western Railroad stock, 

St. Louis & Iron Mountain Railroad bonds, 

Cleveland, Col., Cin. & Ind'polis R.R. bonds 

Savannah & Western Railroad bonds, 

Western Union Telegraph Company stock, 

Pullman Palace Car Company stock, 

Lake Erie & Western Railroad stock, 

Manhattan Elevated Railroad stock, 

Chicago, Milwaukee & St Paul R.R. stock, 

Missouri Pacific Railroad stock, 

St Paul, Minneapolis & Manitoba R R. stock, 

Chicago & Eastern Illinois Railroad bonds, 

St Louis & Iron Mountain Railroad bonds, 



Market value. 

$132,000 00 

11,000 00^1 

31,650 00 ! 

19,150 00 j 

3,300 00 J 

67,100 00^ 

29,400 00 j 

9,575 00 I 

7,600 00 } 

4,525 00 ' 

5,100 00 

5,125 00 

2,000 00^ 

10,000 00 

3,250 00 

2,220 00 

11,000 00 

4,000 00 

970 00 j> 

1,400 00 

880 00 

3,200 00 

968 00 

1,350 00 

840 00 

52,000 00 

46,200 00 

•23,900 00 

27,450 00 ^ 

10,260 00 

19,150 00 

4,850 00 

19,900 00 

18,100 00 { 

10,550 00 

5,500 00 

5,450 00 

2,340 00 

4,400 00 J 

5,776 00 x 

18,100 00 

16,500 00 

19,150 00 

41,900 00 } 

6,100 00 

9,950 00 

4,750 00 

4,360 00 J 



Amount loaned . 

$11)0,000 00 



50,000 00 



100,000 00 



32,000 00 



100,000 00 



100,000 00 



100,000 00 



122 



LIFE INSURANCE COMPANIES [Dec. 31, 



Hoboken Ferry Company bonds, 
Western Union Telegraph Company stock, 
Evansville & Terre Haute Railroad stock, 
Rich. & W. Ft Ter. RR & Ware. Co stock, 
Canada Southern Railroad stock, 
Peoria, Decatur & Evansville Railroad bonds 
Virginia Midland Railroad bonds, . 
Evansville & Terre Haute Railroad stock, 
Columbia & Greenville Railroad bonds, . 
Lake Shore & Michigan Southern R.R. stock, 
Missouri Pacific Railroad stock, 
Milwaukee, Lake Shore & Western R.R. stock 
Chicago, Rock Island & Pacific R.R. stock, 
Chicago & Northwestern Railroad stock, 
Western Union Telegraph Company stock, 
Great Northern Railroad stock, 
Delaware, Lack. & Western Railroad stock, 
Pullman Palace Car Company stock, 
Atchison, Topeka & Santa Fe Railroad bonds, 
Milwaukee, Lake Shore & West. R.R. bonds, . 



Market value. Amount loaned. 

|194,000 00 $150,000 00 
83,600 00^ 



20,800 00 
6,675 00 
4,850 00 
4,270 00 
4,00' I 

57,200 00 ( 
5,100 00 S 

10,050 001 
6,100 00 

26,400 00 

14,100 00 

13,500 00 
7,600 00 }> 

21,600 00 
6,600 00 
9,050 00 
4,000 00 
4,925 00 



)> 8100,000 00 



50,000 00 



100,000 00 



-54,526,585 00 $3,548,950 00 



Schedule B. 

Bonds owned by the Company. 



United States bonds, . 
Essex County, N. J , bonds, 
Lmion County, N. J., bonds, 
Buchanan County, Mo , bonds, . 
Lincoln County, Mo., bonds, 
Pettis County, Mo., bonds, 
Tippecanoe County, Ind , bonds, 
Van Burcn County, Iowa, bonds, 
Unita County, Wyoming, bonds, 
City of Newark, N. J , bonds, . 
City of Orange, N. J., bonds, . 
City of New Brunswick, N. J., bonds 
City of Elizabeth, N. J., bonds, 
City of Rah way, N. J., bonds, . 
City of South Bend, lnd , bonds, 
City of Lafayette, Ind , bonds, . 
City of Erie, Pa , bonds, . 
City of Springfield, 111 , bonds, . 
City of Toledo, Ohio, bonds, 
City of Sandusky, Ohio, bonds, . 
City of Cleveland, Ohio, bonds, 
City of Sedalia, Mo., bonds, 



Par value. 

$8,000 00 

1,088,000 00 

20,000 00 

500,000 00 

148,000 00 

104,500 00 

75,000 00 

15,500 00 

52,000 00 

2,305,000 00 

60,000 00 

14,000 00 

1,048,000 00 

49,401 33 

153,000 00 

160,000 00 

152,000 00 

114,300 00 

218,000 00 

134,000 00 

250,000 00 

50,000 00 



Market value. 

$8,970 00 

1,256,467 00 

20,050 00 

500,000 00 

148,000 00 

101,500 00 

75,000 00 

15,500 00 

52,000 00 

2,363,375 00 

67,600 00 

14,490 00 

1,048,000 00 

49,401 33 

153,000 00 

182,400 00 

101,120 00 

114,300 00 

237,030 00 

135,397 50 

269,000 00 

50,000 00 



1890.] 



OF OTHER STATES. 



123 



City of Saginaw, Mich., bonds, . 
City of Colorado Springs, Col., bonds, 
Township of Montclair, N. J , bonds, 
Township of West Orange, N. J., bonds, 
Township of East Orange, N. J., bonds, 
Colorado State warrants, . 
Grand Rapids & Indiana Railroad bonds, 
Behidere Delaware Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Perth Am boy & Woodbridge R R. bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Rock Island & Pacific R.R bonds, 
Freehold & Jamesburp* Aprricult'l R.R. bonds, 
Shamokin, Sunbury & Lewisburg R R. bonds, 
New York Central Railroad bonds, . 
Wilkesbarre & Scranton Railroad bonds,. 
New York, Susq. & Western R.R. bonds, . 
Philadelphia, Wil & Baltimore R.R. bonds, 
Philadelphia & Erie Railroad bonds, 
Cleve., Painesville & Ashtabula R.R. bonds, 
Cleveland & Canton Railroad bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
Bear Lake & River Water W. and Ir. Co.b'ds, 
West Shore Railroad bonds, 
Saginaw & Western Railroad bonds, 
Morris & Essex Railroad bonds, 
New York, Lack. & Western Railroad bonds, 
Lehigh Valley Railroad bonds, . 



Tar value. 

& 100,000 00 

50,000 00 

310,000 00 

128,500 00 

150,000 00 

49,401 51 

50,000 00 

750,000 00 

150,000 00 

100,000 00 

200,000 00 

100,000 00 

100,000 00 

40,000 00 

20,500 00 

100,000 00 

100,000 00 

250,000 00 

500,000 00 

5,000 00 

50,000 00 

50,000 00 

25,000 00 

437,500 00 

25,000 00 

50,000 00 

50,000 00 

100,000 00 



Market value. 

$100,000 00 

51,500 00 

310,000 00 

146,257 50 

150,000 00 

49,401 51 

58,000 00 

750,000 00 

136,500 00 

100,000 00 

214,000 00 

96,500 00 

100,000 00 

41,200 00 

20,807 50 

100,000 00 

93,500 00 

250,000 00 

500,000 00 

5,250 00 

44,000 00 

50,000 00 

25,000 00 

439,687 50 

23,750 00 

66,250 00 

54,000 00 

102,500 00 



$10,759,602 84 §11,103,704 84 



"NATIONAL LIFE INSURANCE COMPANY; 1 
:tf MONTPELIER, VT. 

[Incorporated Nov. 13, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. George W. Reed, Secretary 

Income. 
New premiums without deductions, 



Renewal premiums, 



Total premium income, 
Cash received for interest, 
Cash received for rents of company 



Total income, 
Net or ledger assets Dec. 31, 1889, 

Total, 



s property, 



$474,509 26 

1,314,962 75 

$1,789,472 01 

304,500 65 

8,322 78 

f2,102,295 44 

5,586,234 23 

$7,688,529 67 



124 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same,. 
Cash paid for matured endowments and additions,. 

Gross amount paid for losses and endowments, 
Cash paid for surrendered polieies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders, 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, ..... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiners fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, printing, etc., . 

for incidentals, 

Profit and loss, 



Total disbursements, . 
Balance, 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

("ash in company's office, 

Cash deposited in bank, 

Agents' ledger balances ($247,055.68 since received), 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Market value of stocks -and bonds, over par, . 
Uncollected premiums on policies in force, . $5,447 

Deferred premiums on policies in force, . . 164,959 



$370,321 94 

877 07 

36,075 00 

$107,274 01 
187,005 24 

18,390 58 

114,619 65 

954 40 

6728,903 88 

t,162 44 

30,569 42 

29,097 27 

29,503 25 

35,154 56 

18,479 00 

3,216 35 

22,436 50 

L3 72 

11,177 42 

$1,251,413 81 

$6,437,115 86 



$226,100 89 

2,967,492 49 

98,430 00 

342,381 76 

07.422 61 

2,337,521 04 

4,096 80 

K>0,434 76 

293,235 51 



£6,437,115 86 

126,493 02 
110,090 84 



22 
88 



Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prern's, 

Total assets per company's books, . 



? 170,407 
34,081 



10 
42 



136,325 68 
. $6,810,025 40 



1890.] OF OTHER STATES. 125 

Items not admitted. 
Agents' balances, $46,179 83 



Total admitted assets, $6,763,845 57 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $5,671,233 00 
Death losses and matured endowments in proc- 
ess of adjustment, $5,000 00 

Claims resisted by the company, . . . 2,000 00 

Total policy claims, 7,000 00 

Unpaid dividends of surplus due policy-holders, . . . 1,573 40 

Balance due on surrendered policies, 3,199 46 

Extra reserve on life rate endowment policies, . . . 297,746 18 



Liabilities as to policy-holders, $5,980,752 04 

Surplus as regards policy-holders, 783,093 53 



Gross liabilities, $6,763,845 57 

Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $54,253 52 
Premium notes received during 1890, . . 50,225 09 

Total, $104,478 61 

Used in payment of losses and claims, . . $877 07 

Used in payment of surrendered policies and 

voided by lapse, 18,390 58 

Used in payment of dividends to policy-holders, 954 40 

Redeemed by maker in cash, .... 16,833 95 

Total 37,056 00 



Balancenote assets Dec. 31, 1890, $67,422 61 

Exhibit oe Policies. 

Policies and Additions in force Dec. 31, 18S9. 

dumber. Amount. Total No. Total Amount. 

Whole life, . . . 9,580 $26,517,203 00 
Endowment, . . . 9,242 12,180,527 00 
All other, .... 2 3,000 00 

Reversionary additions, . - 66,811 00 

18,824 $38,767,541 00 

Policies issued during the Year. 

Whole life, . . . 4,341 $11,761,900 00 
Endowment, . . . 1,477 3,317,000 00 
All other, .... 1 20,000 00 

5,819 15,098,900 00 



120 



LIFE INSURANCE COMPANIES [Dec. 31 



Whole life, 
Endowment, 



Policies changed and increased, 
Additions by dividends, 



Old Policies 


revived. 






Number. 
11 

3 


Amount. 

$11,665 00 
4,400 00 


Total No. 

14 
3 


Total Amount. 

$46,065 00 

10 00 

2,457 00 


•eased, 


. 



Total, 



Whole life, 
Endowment, 
All other, . 



24,660 $53,921,503 00 



Policies terminated during the Year. 

. 1,769 $5,296,815 00 

. 1,286 2,236,780 00 

1 25,607 00 





3,056 


$7,559,202 00 








How terminated. 






By death, . 


159 


$371,199 00 






maturity, 


45 


36,075 00 






expiry, . 


2 


21,000 00 






surrender, 


899 


l,5l/,108 00 






lapse, . 


1,072 


2,690,250 00 






change and decrease, 


51 


521,070 00 






Not taken, . 


828 


2,402,500 00 


3,056 


7,559,202 00 



Policies in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



12,163 $33,024,993 00 

9,436 13,265,147 00 

5 8,500 00 

63,651 00 



21,604 $46,362,301 00 



Schedule A. 



Securities held as 

Barre, Vt., sewer bonds, . 
National Car Company stock, . 
Lane Manufacturing Company stock, 
Vermont Marble Company bonds, . 
Mortgage notes, .... 

© © 7 

Lane Manufacturing Company stock, 
Mortgage notes, .... 

© © ' 

Otoe, Woodbury County, IoAva, bonds, 
Mortgage notes, .... 



Collateral. 

Market value. 

|»7,000 00 

7,500 00 

70,875 00 

10,320 00 

831 00 

2,500 00 

3,200 00 

4,200 00 

10,000 00 



Amount loaned. 

$33,000 00 

6,000 00 

31,500 00 

10,000 00 

730 00 

3,200 00 

4,000 00 
10,000 00 



f 146,426 00 £98,430 00 



1890.] 



OF OTHER STATES. 



127 



Schedule B. 

Stocks and Bonds owned by the Company. 



United States bonds, 
State of New Hampshire bonds, 
State of Vermont bonds, . 
State of Missouri bonds, . 
State of Nebraska warrants, 
City of Boston, Mass., bonds, . 
City of Chelsea, Mass , bonds, . 
City of Fitchburg, Mass , bonds, 
City of Lawrence, Mass., bonds, 
City of Worcester, Mass., bonds, 
City of Burlington, Vt., bonds, 
City of Minneapolis, Minn., bonds, 
City of Fairbault, Minn., bonds, 
City of La Suer, Minn., bonds, . 
City of Stillwater, Minn , bonds, 
City of Winona, Minn., bonds, . 
City of Indianapolis, Ind., bonds, 
City of Anderson, Ind., bonds, . 
City of Appleton, Wis., bonds, . 
City of Fond du Lac, Wis., bonds, 
City of Merideu, Conn., bonds, 
City of Crystal Lake, 111 , bonds, 
City of Danville, 111., bonds, 
City of Irving Park, 111., bonds, 
City of Springfield, 111., bonds, 
City of Algona, la., bonds, 

City of Alton, la., bonds, . 

City of Burlington, la., bonds, . 

City of Creston, la., bonds, 

City of Corning, la., bonds, 

City of Carroll, la , bonds, 

City of Fort Dodge, la., bonds, 

City of Independence, la., bonds, 

City of Nevada, la., bonds, 

City of North Des Moines, la., bonds, 

City of Marion, la., bonds, 

City of Spencer, la., bonds, 

City of Niles, Mich., bonds, 

City of Pueblo, Col., bonds, 

City of Ogden, Utah, bonds, 

City of Martin's Ferry, O , bonds, 

City of East Liverpool, O., bonds, 

City of Piqua, ()., bonds, . 

City of Sioux Falls, South Dak., bonds, 

City of Huron, South Dak., bonds, 

City of Joplin, Mo , bonds, 



Par value. 

'105,000 00 
11,000 00 
100,000 00 
11,000 00 
13,732 50 
10,000 00 
37,000 00 
60,000 00 
20,000 00 
20,000 00 
25,000 00 
32,000 00 
6,000 00 
5,000 00 
41,000 00 
3,000 00 
25,000 00 
5,500 00 
29,000 00 
20,000 00 
40,000 00 
5,000 00 
16,000 00 
4,500 00 
18,200 00 
6,000 00 
5,900 00 
5,000 00 
14,000 00 
15,000 00 
5,000 00 
11,000 00 
10,000 00 
12,000 00 
5,000 00 
22,000 00 
5,500 00 
10,500 00 
30,000 00 
20,000 00 
10,000 00 
20,000 00 
10,000 00 
20,000 00 
12,500 00 
6,500 00 



Market value, 
f 124,950 00 
14,330 55 
100,000 00 
12,353 30 
13,869 82 
12,715 00 
39,204 10 
63,558 00 
21,634 00 
20,506 00 
25,307 50 
32,984 05 
6,086 40 
5,112 50 
45,215 00 
3,158 70 
28,615 00 
5,599 55 
30,164 10 
20,588 00 
43,189 39 
5,642 50 
16,154 40 
4,842 00 
19,365 00 
6,175 80 
6,220 96 
5,244 50 
14,127 40 
16,419 00 
5,272 00 
11,246 20 
10,222 00 
12,280 80 
5,272 00 
24,011 60 
5,652 90 
11,169 90 
30,207 00 
20 : 362 00 
10,400 00 
20,520 00 
11,358 00 
20,640 00 
13,316 25 
6,771 05 



128 



LIFE INSURANCE COMPANIl [Dec. 31, 



City of Harlan, Mo., bonds, 
City of Newton, Kan., bonds, . 
City of Lincoln, Neb., bonds, . 
City of Lincoln, Neb., warrants, 
City of Kearney, Neb., bonds, . 
City of Kearney, Neb., bonds, . 
City of Omaha, Neb., bonds, 
City of Red Cloud, Neb., bonds, 
County of Douglas, Neb., bonds, 
County of Dundy, Neb., bonds, 
County of Lancaster, Neb., bonds, 
County of Outagamie, Wis., bonds, 
County of Haskell, Kan., bonds, 
County of Wyandotte, Kan., bonds, 
County of Trego, Kan., bonds, . 
County of Clark, South Dak., bonds, 
County of Johnson, South Dak., bonds, 
County of Otero, Col., bonds, . 
Count}- of Pueblo, Col., bonds, . 
County of Paulding, O., bonds, 
Town of Arlington, Vt., bonds, 
Town of Bakersfield, Vt., bonds, 
Town of Essex, Vt., bonds, 
Town of (ireensborough, Vt., bonds, 
Town of Highgate, Vt., bonds, 
Town of Hyde Park, Vt., bonds, 
Town of Jay, Vt., bonds, . 
Town of Jamaica, Vt., bonds, . 
Town of Jericho, Vt., bonds, . 
Town of Johnson, Vt., bonds, . 
Town of Montpelier, Vt., bonds, 
Town of Mt. Tabor, Vt., bonds, 
Town of Newfane, Vt, bonds, . 
Town of Swanton, Vt., bonds, . 
Town of Sheldon, Vt., bonds, . 
Town of Troy, Vt., bonds, 
Town of Underbill, Vt., bonds, 
Town of Wolcott, Vt., bonds, . 
Town of Woodstock, Vt., bonds, 
Town of Williston, Vt., bonds, 
Town of Monmouth, 111., bonds, 
Village of Brandon, Vt., bonds, 
Village of Montpelier, Vt., bonds, 
Village of Kichford, Vt., bonds, 
Village of St. Jolmsbury, Vt., bonds, 
Village of West Randolph, Vt., bonds, 
Village of North Bend, Neb., bonds, 
Village of Indianola, la., bonds, 



Par value. 

$2,500 00 

12,000 00 

50,000 00 

71,304 22 

10,000 00 

25,000 00 

20,000 00 

10,000 00 

20,000 00 

1,800 00 

50,000 00 

25,000 00 

14,000 00 

21,000 00 

5,000 00 

15,000 00 

8,000 00 

4,000 00 

38,000 00 

10,000 00 

15,000 00 

3,000 00 

3,000 00 

3,500 00 

30,000 00 

23,000 00 

7,000 00 

9,000 CO 

6,000 00 

7,000 00 

39,500 00 

6,000 00 

6,000 00 

60,500 00 

24,000 00 

3,000 00 

15,000 00 

7,300 00 

7,000 00 

2,400 00 

25,000 00 

24,000 00 

10,000 00 

17,000 00 

6,000 00 

12,000 00 

2,000 00 

13,000 00 



Market value. 

_ 

12,000 00 

51,490 oo 

72,017 26 
10,513 00 
25,000 00 
20,920 00 
10,143 00 
21,156 
1,960 92 
■ 
25,567 50 
15,519 00 
21, IOn 
5,4; 

15,436 50 

8,208 00 

4,287 - I 

38,380 00 

10,117 00 

15,613 50 

3,021 60 

3,029 10 

3,564 05 

31,512 00 

23,322 00 

7,273 70 

9,379 80 

6,163 80 

78 40 

39,878 00 

6,363 60 

1 00 

62,768 75 

24,403 20 

3,021 00 

15,456 00 

19 00 

7,000 00 

2,417 52 

24,000 00 
10,049 00 
17,275 40 

6,000 00 
12,000 00 

2,000 00 
13,245 70 



1890.] 



OF OTHER STATES. 



129 



Village of Dennison, O., bonds, 

Village of Leetonia, O., bonds, 

Village of W Dulufch, Minn., bonds, 

Kansas, Nebraska and Colorado county w'ts , 

Vermont Marble Company bonds, 

First National Bank stock, Montpelicr, Vt, 

Montpelier Nafl Bank stock, Montpelier, Vt 

Huron, South Dak., bonds, 

Carroll County, la., bonds, 

Griswold, Cass County, Ta , bonds, 

Cass County, la., bonds, . 

Clinton, la., bonds, . 

Newtou, Ta., bonds, . 

Osceola, la., bonds, . 

Red Oak, la., bonds, . 

Bock Rapids, la , bonds, . 

Rock Rapids, la., bonds, . 

Sanborn, la , bonds, . 

Atchison County, Kan., bonds, . 

Coffeyville, Kan., bonds, . 

Cloud County, Kan., bonds, 

Dickinson County, Kan , bonds, 

Barber Count}', Kan., bonds, . 

Gray County, Kan , bonds, 

Graham County, Kan., bonds, . 

Horton County, Kan , bonds, . 

Liberal, Kan., bonds, 

Oakdale, Kan., bonds, 

Neosho County, Kan., bonds, . 

Kingman County, Kan , bonds, 

Reno County, Kan., bonds, 

Stanton County, Kan., bonds, . 

Sedgwick County, Kan., bonds, 

Wa-Keeney County, Kan., bonds, 

Wellington, Kan., bonds, . 

Antelope County, Neb., bonds, 

Blaine County, Neb , bonds, 

Cass County, Neb., bonds, 

Aurora, Neb., bonds, 

Box Butte County, Neb., bonds, 

Dawson County, Neb., bonds, . 

Holt County, Neb., bonds, 

Howard County, Neb., bonds, . 

Hitchcock County, Kan., bonds, 

Harlem County, Neb., bonds, . 

Kearney County, Neb., bonds, . 

Jefferson County, Neb., bonds, 

Saunders County, Neb., bonds, 



Par value. 

$9,000 00 

13,500 00 

20,000 00 

231,988 32 

20,000 00 

20,000 00 

1,680 00 

20,000 00 

7,000 00 

4,000 00 

3,000 00 

3,000 00 

10,< 00 00 

3,500 00 

3,000 00 

2,000 00 

3,000 00 

3,000 00 

10,000 00 

7,500 00 

3,500 00 

12,000 00 

4,600 00 

4,000 00 

10,000 00 

13,000 00 

15,000 00 

2,500 00 

8,210 00 

3,000 00 

3,500 00 

1,000 00 

8,000 00 

1,500 00 

14,000 00 

4,775 00 

5,500 00 

10,300 00 

5,000 00 

5,000 00 

3,400 00 

3,000 00 

700 00 

350 00 

4,500 00 

20,401 00 

2,500 00 

7,950 00 



Markft value. 

$9,432 90 

13,648 50 

20,494 00 

234,308 20 

21,310 00 

33,800 00 

2,940 00 

21,012 00 

7,203 70 

4,036 00 

3,197 90 

3,000 00 

10,000 00 

3,855 65 

3,107 70 

2,071 84 

3,056 70 

3,195 90 

11,325 00 

7,899 00 

3,596 25 

12,330 00 

4,818 96 

4,430 40 

10,632 46 

13,885 30 

15,000 00 

2,639 25 

8,632 22 

3.159 60 
3,701 60 
1,069 90 
8,522 40 
1,557 15 

14,397 60 
4,935 44 
6,162 C5 

10,881 82 
5,242 50 

5.160 00 
3,564 90 
3,474 90 

796 60 

364 35 

4,780 80 

21,339 50 

2,500 00 

8,388 05 



130 



LIFE INSURANCE COMPANIES [Dec. 31 



Saline County, Neb., bonds, 
Thayer County, Neb , bonds, . 
Nance County, Neb., bonds, 
York County, Neb., bonds, 



Par value. 

$35,000 00 
1,500 00 
3,000 00 

2,000 00 



Market value. 

$36,435 52 
1,582 65 
3,215 10 
2,005 65 



$2,337,521 04 $2,447,011 88 



"NEW YORK LIFE INSURANCE COMPANY,* NEW YORK, N Y. 

[Incorporated 1841. Commenced business 1845.] 

William H. Beeks, President. Rufus W. Weeks, Actvary. 

Note by the Company. — Whenever the term " cash " is used in this statement, it means 
money in hand or its equivalent in the company's money obligations. 



Income. 

New premiums without deductions, . 
Renewal premiums, .... 
Cash received for annuities, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property,* . 



7,857,408 00 
. 10,949,735 78 
. 1,870,808 80 



$26,677,952 58 
90,662 54 



826,587,290 04 

. 4,526,290 16 

23,765 08 

346,356 62 



Total income, .... 
Net or ledger assets Dec. 31, 1889, . 
Less contingent sinking fund, . 



'7,846,079 
568,525 



$31,483,701 90 
43 

11 

— 97,277,554 32 



Total, $128,761,256 22 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 



$6,037,792 25 

29,005 61 

1,093,111 96 

613 26 



$7,160,523 08 
82,250 60 



$7,078,272 48 



* Including interest on buildings while in process of construction. 



1890.] 



OF OTHER STATES. 



131 



Cash paid to annuitants, $1,274,499 70 

Cash paid for surrendered polieies, 2,642,011 63 

Premium notes or loans used in purchase of surrendered 

polieies, and voided by lapse, 21,552 36 

Cash dividends paid policy-holders applied in payment of 

premiums,* 2,262,206 84 

Premium notes or loans used in payment of dividends, . . 1,001 01 



Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising, 

for rent and incidentals, 

Total disbursements, 

Balance, ......... 



$13,279,544 02 
4,266,590 26 
135,000 00 
245,891 87 
509,225 91 
199,595 43 
154,997 33 
1,171,018 68 



$19,961,863 50 



1108,799,392 72 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), 



$14,341,917 35 

19,446,083 13 

4,168,000 00 

431,108 71 

63,867,546 16 

6,358 69 

6,342,565 77 

195,812 91 



$108,799,392 72 



Other Assets. 
Interest due and accrued, .... 
Bents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, . $1,431,828 15 
Deferred premiums on policies in force, . . 1,858,327 00 



Total, $3,290,155 15 

Deduct loading (20 per cent.), . . . . 658,03103 
Net am't of uncollected and deferred prem's, 



Total assets per company's books, . 



467,241 03 

7,582 49 

3,383,438 58 



2,632,124 12 



$115,289,778 94 



* Including mortuary dividends. 



132 



LIFE INSURANCE COMPANIJ [Dec. 31, 

Items not admitted. 



Agents 1 balances, 

Total admitted assets, 
Deduct special deposits in other States, . 

Balance, . • 



195,812 91 



£115,093,966 03 
3,276,850 08 



11,817,115 95 



$99,067,123 00 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $99,522,978 00 
Deduct net value of re-insured risks, 455,855 00 

Net re-insurance reserve, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, . 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



£39,889 77 

967,602 98 
10,000 00 
22,901 83 



1,040,394 58 
54,660 53 



8100,162,178 11 
3,276,850 08 



Surplus as regards Tontine policy-holders, 
Surplus as regards other policy-holders, . 
Gross surplus, 

Gross liabilities, .... 



$96,885,328 03 



. $8,670,539 50 
. 6,261,248 42 



14,931,787 92 



$111,817,115 95 



Premium Note Account. 



Premium notes on hand Dec. 31, 1889, . 
Premium notes received during 1890, 

Total, 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, . . . . 

Total, 

Balance note assets Dec. 31, 1890, 



£367,394 39 
255,710 65 



$29,618 87 

21,552 36 

1,001 01 

139,824 09 



$623,105 04 



191,996 33 



. $431,108 71 



1890.] 



OF OTHER STATES. 



133 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

. 101,230 $316,196,900 00 

. 41,637 143,220,200 00 

. 7,514 2,012,000 00 

4,172,870 00 
150,381 f 495,601,970 00 



Whole life, 
Endowment, 
All other, . 



Whole lite, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 30,910 $116,315,800 00 
. 10,126 34,016,700 00 
. 4,488 4,334,200 00 



Old Policies revived. 




183 


$854,559 


00 


46 


180,883 


00 


1 






Old Policies increased 




- 


$120,740 00 


- 


61,783 


00 



45,524 154,666,700 00 



230 1,035,442 00 



Additions by dividends, 



182,523 00 
3,691,400 00 



Total, 196,135 $655,178,035 00 

Policies terminated during the Year. 

Whole life, . . . 15,069 $56,720,799 00 
Endowment, . . . 6,324 24,271,041 00 
All other, .... 1,273 4,847,469 00 



• 


22,666 


$85,839,309 00 






How terminated. 




By death, . 


. 1,775 


$6,319,551 00 




maturity, 


649 


1,089,570 00 




expiry, . 


341 


23,410 00 




surrender, . 


. 2,844 


14,595,207 00 




lapse, . 


. 9,289 


29,719,116 00 




change and decrea 


se, . - 


1,198,291 00 




Not taken, . 


. 7,768 


32,894,164 00 








22,666 


85,839,309 00 



Policies in force Dec. 31, 1890. 

Whole life, . . . 117,254 $406,767,200 00 
Endowment, ... . 45,485 153,146,742 00 
All other, .... 10,730 5,203,300 00 
Reversionary additions, . - 4,221,484 00 

173,469 $569,338,726 00 



134 



LIFE INSURANCE COMPAXII [Dec. 31, 



Schedule A. 

Securities held as Collateral. 



611 shares Central National Bank, 
1700 " Evansville & Terre Haute R R , 

100 " Manhattan Trust Company, 
Southern Paeifie R.R. of New Mexico bonds, 
Southern Pacific R.R. of California bonds, 
Chesapeake & Ohio Railroad bonds, 
Kentucky Central Railroad bonds, . 
1400 shares Central National Bank, 

200 " New York Security and Trust Co 
50 " Central Trust Company, 
50 " New York Security and Trust Co 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Cin., Ind'polis, St. Louis & Chic. R.R. bonds, 
St. Paul & Duluth Railroad bonds, . 
Chicago, St Louis & New Orleans R.R. bonds 
Chicago, Milwaukee & St Paul R.R. bonds 
Cincinnati, Rich. & Fort Wayne R.R. bonds 
Belleville & Southern Illinois R.R. bonds, 
Chicago, Milwaukee & St Paul R.R bonds, 
St. Louis, Jacksonville & Chicago R.R. bond.- 
50 shares Nassau Trust Company, . 
50 shares Washington Trust Company, . 
Lake Shore & Michigan Southern R.R. bonds 
Louisiana State bonds, .... 
Southern Pacific Railroad of Arizona bonds, 
Southern Pacific R R. of California bonds, 
Northern Railway of California bonds, . 
Central Pacific land grant bonds, 
Galveston, Harrisb 1 g& San Antonio R.R bonds 
Georgia Southern & Florida Railroad bonds, 

65 shares New York Security and Trust Co. 

10 " Importers' and Traders' Bank, 
245 " Hanover Bank, 
Chicago, Rock Island & Pacific R R. bonds, 
New York & Harlem Railroad bonds, 
Chicago, Milwaukee & St. Paul R R. bonds, 

25 shares Western National Bank, 
100 " Chic , Mil & St. Paul R.R , . 

50 " Central Railroad of New Jersey, 
100 " Pullman Palace Car Company, 
Scioto Valley & New England Railroad bonds 
Metropolitan Elevated Railroad bonds, . 
600 shares Western Union, 
100 " Chic, St. Paul, Minn. & Om. R R , 
500 " Delaware, Lacka & Western R.R , 

25 " New York Security and Trust Co., 



Market value. 

$85,540 00 
88,400 00 ) 
3,900 00 S 
104,000 00^ 



Amount loaned. 

$60,000 00 
70,000 00 



100,000 00 



47,500 00 
23,700 00 j 
196,000. 00 
37,000 00 
60,000 00 i 

9,250 00 < 
56,500 00 
192,000 00 
105,000 00 
54,500 00 
54,000 00 [ 
18,400 00 
82,500 00 
30,050 00 
21,200 00 

7,650 00 ) 

8,750 00 \ 

12,200 00 

345,000 00 

104,000 00>| 

100,000 00 | 

100,000 00 }> 

73,500 00 I 

32,550 00 J 

4,775 00>| 
12,025 00 i 

5,250 00 j 
85,750 00 J 
12,500 00 >j 
12,200 00 I 

5,275 00 I 

2,425 00 }> 
10,400 00 

5,300 00 
18,100 00 j 

7,000 00 ^ 
29,870 00 | 
45,600 00 )> 

7,900*00 I 
32,750 00 J 

4,625 00 



\ 200,000 00 



140,000 00 
28,000 00 

42,500 00 



500,000 00 



14,000 00 

10,000 00 
275,000 00 



300,000 00 



85,000 00 



50,000 00 



100,000 00 
3,500 00 



1890.] 



OF OTHER STATES. 



135 



Kansas City & Omaha Railroad bonds, . 
Cleveland & Canton Railroad bonds, 
Tennessee State bonds, .... 
Louisville, New Albany & Chicago R.R bonds 
Chicago, Burlington & Quincy R.R bonds, 
Chicago, Milwaukee & St. Paul R.R bonds, 
Western Pacific Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Southern Pacific R.R. of California bonds, 
Union Pacific Railroad bonds, . 
Central Pacific Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
Chesapeake, Ohio & Southwestern R.R. bonds 
Chesapeake & Ohio Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
New York, Chicago & St. Louis R.R. bonds, 
New York, Ontario & Western R.R. bonds, 
Oregon Railway & Navigation Co. bonds, 
Savannah & Western Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
200 shares Manhattan Elevated Railroad, 
50 " United States Trust Company, 
300 " Chic, Milwaukee & St. Paul R.R., 
100 " Chic , Milwaukee & St. Paul R.R., 
400 " Chic, St. Paul, Minn & Oma. R.R 
100 " Northern Pacific Railroad, 
100 " Pullman Palace Car Company, 
250 " Western Union Telegraph, 
100 " Delaware, Lacka & Western R.R , 
200 " Chicago & Eastern Illinois R R , 
Chicago & Northwestern R R. bonds, 
Tol., Ann Arbor & Grand Trunk R R bonds, 
Northern Pacific land grant bonds, . 
New York, Ontario & Western RR bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R bonds, 
Union Pacific Railroad bonds, . 
New York, Chicago & St Louis R.R bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Union Elevated Railroad bonds, 
Western Union Telegraph bonds, . 
Evansville & Indianapolis Railroad bonds, 
Louisville, New Orleans & Texas R.R bonds, 
Kentucky Central Railroad bonds, . 
Southern Pacific Railroad of Arizona bonds, 
Galveston, Harrisburg & San Ant'o R R bonds, 
Southern Pacific Railroad of California bonds, 



> $150,000 00 



Market value. Amount loaned. 

$14,400 001 
13,200 00 

17,500 00 

4,500 00 
10,150 00 

4,880 00 

7,560 00 

5,000 00 

6,780 00 

5,500 00 

5,600 00 

5,400 00 

5,200 00 

8,360 00 

2,850 00 

5,600 00 

4,500 00 

4,550 00 

9,200 00 

8,700 00 

9,900 00 
19,200 00 
37,500 00 1 
15,300 00 
10,400 00 
31,200 00 

6,400 00 
18,100 00 
19,000 00 

6,550 00 
16,400 00 
10,000 00 
10,000 00 
17,250 00 
21,090 00 
12,330 00 

4,880 00 

8,640 00 

1,800 00 

1,000 00 

2,100 00 

5,500 00 j 
84,000 00 
44,000 00 ^ 
39,500 00 I 

26,000 00 j> 100,000 00 
14,880 00 I 

5,000 00 j 



} 200,000 00 



70.000 00 



136 



LIFE INSURANCE COMPANIES [Dec. 31, 



Tennessee State bonds, .... 
Atlantic & Pacific Railroad bonds, . 
South & North Alabama Railroad bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
725 sh ires Pullman Palace Car Co., 
100 " Northern Pacific Railroad, . 
200 " Evansville & Terre Haute R R , 
Georgia Pacific Railroad bonds, 
Tennessee Coal, Iron and Railroad bonds, 
Savannah & Western Railroad bonds, 
Richmond & West Point Term. R.R. bonds, 
Nashville, Chattanooga & St. Louis R.R. bonds 
Nashville, Chattanooga & St. Louis R.R. bonds 
Louisville & Nashville Railroad bonds, . 
50 shares New York Security & Trust Co., 
Missouri, Kansas & Texas Railroad bonds, 
Oregon Short Line & Utah North'n R.R bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, St. Louis & New Orleans R R. bonds 
300 shares Chicago & Northwestern Railroad 
300 " Mil., Lake Shore & Western R.R 
100 " Mil, Lake Shore & Western R.R 
185 " Pullman Palace Car Company, 
300 " Louisville & Nashville Railroad, 

50 " E. Tenn , Virginia & Georgia R.R. 
300 " Oregon Railway & Navigation Co. 
300 " Chicago, Burlington & Quincy R.R 
100 " St. Paul, Minn. & Manitoba R.R , 

66 " Delaware & Hudson Railroad, 
400 " Lake Shore Railroad, 
200 " Chicago, Mil & St. Paul Railroad 
New Haven & Derby Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Jersey City, N. J , bonds, .... 
Toledo & Ohio Central Railroad bonds, . 
Michigan Central Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
New Haven & Derby Railroad bonds, 
Jersey City, N. J., bonds, 
Toledo & Ohio Central Railroad bonds, . 
United States 4 per cent, consols bonds, . 
Erie & Pittsburgh Railroad bonds, . 
Milwaukee & Madison Railroad bonds, . 
100 shares Chic , Rock Island & Pacific R.R., 
600 " Chicago & Alton Railroad, 
400 " Lake Shore Railroad, 
100 " Western Union Telegraph, 



Market value. 

$ 2,800 00^ 
7,200 00 | 
2,000 00 I 
4,000 00 } 
131,225 00 
6,400 00 
10,400 00 
81,000 00 
46,000 00 
43,500 00 
28,800 00 !> 
40,000 00 
15,900 00 
10,000 00 
9,250 00 
37,000 00 
15,010 00 
18,180 00 
9,920 00 
24,840 00 
31,500 00 
26,250 00 
10,650 00 
33,485 O0 } 
21,900 00 
2,950 00 
23,700 00 
26,850 00 
9,950 00 
8,616 00 
42,600 00 
31,350 00^ 



31,930 00^ 



25,600 00 ! 



5,200 00 j 

5,000 00 j 

13,200 00^ 

14,080 00 I 

30,900 00 [ 

5,200 00 j 

5,000 00 J 

6,100 00 ) 

8,800 00 ' 

9,200 00 

7,000 00 j 

75,000 00 n 

42,400 00 i 

7,600 00 ) 



Amount loaned. 



1100,000 00 



200,000 00 



7,000 00 



300,000 00 



}> 50,000 00 



50,000 00 



}■ 23,000 00 



100,000 00 



1890.] 



OF OTHER STATES. 



137 



1800 shares Delaware & Hudson Railroad, 
100 u New York Central Railroad, 
100 41 Consol Gas Light Co. of N. Y, 
Chicago & Eastern Illinois R R. bonds, . 
Chicago, St Paul, Minn. & Omaha R.R. bonds 
Chicago & Northwestern Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Central Pacific land grant bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Milwaukee & St Paul R.R bonds, 
Utah Southern Railroad bonds, 
Iowa City & Western Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Harlem & Port Chester Railroad bonds, . 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Milwaukee & Northern Railroad bonds, . 
Richmond & Danville Railroad bonds, 
200 shares Chicago, Mil. & St Paul R R , 
150 shares Mil., Lake Shore & Western R.R , 
Chicago, St Louis & New Orleans R.R. bonds 
Wheeling & Lake Erie Railroad bonds, . 
2400 shares Chicago, Mil. & St. Paul R.R , 
1500 shares Lake Shore Railroad, . 



Market value. 

$234,000 00 
10,000 00 

9,500 00 
19,000 00 
114,000 00 
125,000 00 
47,500 00 
24,500 00 
10,800 00 >, 

5,600 00 
17,510 00 

8,550 00 } 
11,100 00 
11,700 00 

6,780 00 J 
12,720 00^ 



Amount loaned. 

$200,000 00 

200,000 00 
50,000 00 



11,500 00 J 



20,800 00 ( 
15,900 00 j 
28,200 00 > 
30,000 00 
249,600 00 > 
159,000 00 



60,000 00 



} 50,000 00 



250,000 00 
130,000 00 



§5,391,511 00 $4,16S,000 00 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . 
Alabama State bonds, 
Georgia State bonds, 
Mississippi State bonds, . 
South Carolina State bonds, 
Tennessee State bonds, 
Callaway County, Mo, bonds, 
Custer County, Mont , bonds, 
Dallas city, Tex., bonds, . 
Elizabeth city, N. J., bonds, 
Flatbush, N. Y., water bonds, 
Flushing, N. Y , bonds, 
Galveston city, Tex , bonds, 
Jersey City, N.J, bonds, . 
Jefferson County, Ala , bonds, 
Louisville city, Ky., bonds, 
Madison County, Ala , bonds, 
Montgomery city, Ala , bends, 
Memphis city, Tenn., bonds, 



the Company. 

Cost. 

$783,216 59 

36,100 00 

1,500 00 

19,600 00 

27,624 37 

521,970 00 

125,000 00 

54,542 50 

204,837 25 

270,270 00 

19,600 00 

22,108 00 

173,730 00 

398,639 40 

198,917 00 

750,000 00 

60,300 00 

99,681 70 

103,850 00 



Market value. 

$882,175 00 

48,720 00 

1,500 00 

19,600 00 

29,582 58 

521,970 00 

125,000 00 

54,542 50 

204,837 25 

270,270 00 

22,000 00 

24,802 50 

174,270 83 

431,179 17 

198,917 00 

750,000 00 

60,300 00 

99,681 70 

103,850 00 



138 



LIFE INSURANCE COMPANIES [Dec. 31, 



Now York city, N. Y , bonds, . 
Newark, N. J., bonds, .... 
Nashville city, Tenn., bonds, . 
North Knoxville eity, Tenn., bonds, 
Ottawa city, Can., bonds, .... 
Omaha city, Neb., bonds, .... 
Petersburg city, Va., bonds, 
Quebec, Province of, bonds, 
Richmond city, Va , bonds, 
St. Paul, Minn . bonds, .... 
San Antonio, Texas, bonds, 
School District, Spokane County, Wash., bonds 
Waco city, Tex , bonds, .... 
West Chicago town, 111 , bonds, 
Albany & Susq (Delaware & Hudson) R.R. b'ds 
Atlantic & Gulf Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Burl., Cedar Rapids & Northern R.R. bonds, 
Boston, Hoosac Tunnel & Western R R. bonds 
Buffalo, Bradford & Pittsburgh Railroad bonds 
Cedar Rapids, [owa Falls Oc No. W. R.R. bonds 
Chicago, Milwaukee & St Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, St. Paul, Minn. & Omaha R.R. bonds 
Chicago & Western Indiana Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & St. Louis Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
Cincinnati, Lafayette & Chicago R.R. bonds, 
Cincinnati, Sandusky & Cleveland R.R bonds 
Cleveland. Col., Cin. & Ind'polis R R. bonds, 
Canadian Pacific, due in 1931, R.R. bonds, 
Central R R. & Banking Co. of Georgia bonds 
Central Railroad of New Jersey bonds, . 
Denver & Rio Grande Railroad bonds, 
Detroit, Bay City & Alpena Railroad bonds, 
Evansville & Indianapolis Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
East Tenn., Virginia & Georgia R.R bonds, 
Flint & Pere Marquette Railroad bonds, . 
Fremont, Elkhorn & Missouri Valley R.R. b'ds 
Indianapolis & St. Louis Rajlroad bonds, 
Iowa Midland Railroad bonds, . 
Kansas City, St. Jo & Council Bluffs R.R bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Louisiana Western Railroad bonds, . 
Louisville & Frankfort Railroad bonds, . 



Cost. 

$113,097 70 

710,941 19 

300,000 00 

100,000 00 

lo!), 117 70 

51,173 10 

30,750 00 

88,576 25 

4G,250 00 

199,820 40 

186,955 00 

99,621 00 

100,000 00 

516,960 00 

901,190 57 

10,115 80 

1,584,677 50 

168,382 50 

130,666 67 

74,698 20 

447,965 00 

737,269 59 

3,561,138 02 

1,195,819 16 

1.006.028 33 
179,075 50 
279,051 10 
243,125 00 
615,333 33 
189,710 10 
594,651 00 

1,305,790 60 

1.072.029 21 
971,121 67 

2,343,*24 oo 
711,107 33 
145,800 00 
676,305 00 
341,850 00 
488,332 83 
118,720 00 

1,061,025 00 

156,481 25 

62,181 11 

161,049 00 

2,633,177 00 

314,460 00 

55,095 00 



.Market value 

,,110 41 

749,151 67 

300,000 00 

100,000 00 

109,117 70 

51,173 10 

32,250 00 

88,576 25 

66,500 00 

232,273 33 

185,955 00 

99,621 00 

100,000 00 

516,960 00 

988,977 50 

10,115 80 

1,584,677 50 

170,272 50 

,666 67 

74,698 20 

471,625 00 

753,705 00 

3,650,562 50 

1,210,125 00 

1,155,000 00 

184,500 00 

279,051 10 

243,125 00 

615,333 33 

189,710 10 

594,651 00 

1,513,080 00 

1,092,300 00 

971,121 67 

2,494,747 50 

747, 7o3 33 

145,800 00 

_',780 00 

341,850 00 

505^41 67 

1 18,720 00 

1,061,025 00 

162,075 00 

62,181 11 

161,700 00 

2.704,583 33 

314,460 00 

55,095 00 



1890. ] 



OF OTHER STATES. 



139 



Lehigh Valley Railroad bonds, 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated, New York, R.R. bonds 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroad bonds, . 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds, 
Morgan's Louisiana & Texas R.R. & S. S. b'ds 
Mobile & Girard Railroad bonds, 
Midland Railroad of New Jersey bonds, . 
Missouri Pacitie Railroad bonds, 
New York Elevated Railroad bonds, 
New York Central & Hudson River R.R. bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
New Y~ork, Ontario & Western R.R. bonds, 
New York, Lackawanna & Western R.R. bonds 
New York, Susquehanna & Western R.R. bonds 
Nashville, Chattanooga & St. Louis R.R. bonds 
Northern Pacific Railroad bonds, 
Northern Pacific Terminal Railroad bonds, 
Northern Illinois Railroad bonds, 
Northwestern Grand Trunk Railroad bonds, 
Ohio, Indiana & Western Railroad bonds, 
Peoria, Decatur & Evansville Railroad bonds 
Philadelphia & Reading Railroad bonds, 
Philadelphia & Reading Car Trust bonds, 
Rensselaer & Saratoga Railroad bonds, . 
Rochester & Pittsburgh Railroad bonds, . 
South Carolina Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R bonds 
St. Paul & Northern Pacific Railroad bonds, 
Savannah, Florida & Western R.R bonds, 
Taylor's Falls & Lake Superior R.R. bonds, 
Texas & New Orleans Railroad bonds, 
Virginia & Tennessee Railroad bonds, 
West Shore Railroad bonds, 
Wheeling & Lake Erie Railroad bonds, 
American Safe Deposit Company bonds, 
American Dock & Improvement Co. bonds, 
Chateaugay Ore & Iron Co., New York, bonds 
Delaware & Hudson Canal Company bonds, 
Equitable Gas Light Co. of New York bonds 
Equitable Gas Light Co. of Baltimore bonds, 
New York Mutual Gas Light Company bonds 
People's Gas Light Company of Chicago bonds 
St. Paul, Minn., Gas Light Company bonds, 
Western Transit Company bonds, . 



Cost. 

1808,000 00 
362,028 28 

319,099 69 

298,750 00 

57,896 67 

160,600 00 

500,000 00 

825,385 00 

155,152 50 

269,610 00 

1,037,500 00 

775,890 00 

1,013,372 81 

1,044,341 67 

2,356,880 70 

426,895 10 

1,602,199 32 

225,000 00 

338,360 00 

1,232,824 83 

500,000 00 

706,090 00 

46,614 00 

308,010 00 

110,910 00 

233,636 67 

650,000 00 

9,519 92 

72,384 00 

189,050 00 

2,194,500 00 

1,260,160 00 

330,700 00 

212,037 00 

317,195 83 

66,509 00 

2,358,104 38 

380,960 00 

54,605 00 

375,021 95 

498,160 00 

364,717 24 

152,352 00 

219,460 03 

38,000 00 

568,375 00 

310,922 50 

90,765 00 



Market value. 

$808,000 00 
420,000 00 
358,717 50 
298,750 00 
60,666 67 
160,600 00 
537,500 00 
825,385 00 
160,416 67 
276,250 00 

1,037,500 00 
775,890 00 

1,245,000 00 

1,208,333 33 

2,583,333 33 
455,620 00 

1,905,000 00 
231,875 00 
366,625 00 

1,317,000 00 

525,000 00 

753,083 33 

46,614 00 

308,010 00 

110,910 00 

233,636 67 

650,000 00 

12,945 00 

74,425 00 

193,030 00 

2,209,500 00 

1,424,310 00 

330,700 00 

212,037 00 

320,025 83 

69,020 00 

2,375,000 00 

415,000 00 

54,605 00 

389,160 00 

498,160 00 

406.275 00 

152,352 00 

235,980 00 

38,000 00 

652.600 00 

316,700 00 

90,825 00 



140 



LIFE INSURANCE COMPANIES [Dec. :U , 



Western Union Telegraph Company bonds, 
Brazilian government bonds, . 
Deposit with Italian government, 
Deposit with government of Victoria, 
Deposit with government of New Zealand, 
Deposit receipts B'k of Australasia, Melbourne 
Deposit receipts Bank of Australasia, Sidney 
Deposit receipts Bank of Bengal, Bengal, 
Dep : t r'pts H'g K'g & Slrghai Bkg. Co., H. K. 
Deposit receipts Bank of Japan, Yokohama, 
Deposit receipts National B 1 k of Chili, Santiago 
Deposit receipts B'k of Valparaiso, Valparaiso 
Dep't rpts. Eng. B'k of the Rio de la Plata, B. A. 

French rentes, 

Hungarian government bonds, . 
Italian government bonds, 
Russian government bonds, 
Swiss government bonds, 
Swedish government bonds, 
Wurtemburg government bonds, 
American Exchange Bank, New York, stock, 
Merchants 1 Bank, New York, stock, . 
Bank of Republic, New York, stock, 
Bank of America, New York, stock, 
Third National Bank, New York, stock, . 
Chicago & Northwestern Railroad stock, 
Delaware, Lackawanna & Western R.R stock 
Manhattan Safe Deposit Company stock, 
New York Security & Trust Co , N. Y., stock 
Valley Railroad stock, .... 



Coat. 

$310,300 CO 

107,125 84 

94,360 98 

24,332 50 

24,332 50 

535,071 08 

331,036 74 

85,073 44 

72,023 21 

8,G43 58 

70,690 02 

43,050 02 

131,092 29 

19,093 03 

99,548 25 

3,410 35 

714,308 82 

19,049 14 

89,921 50 

47,124 33 

10,025 00 

11,112 58 

907 50 

8,484 00 

90,000 00 

1,438,389 58 

528,928 12 

197,100 00 

747,750 00 

502,500 00 



Market value. 

$319,800 00 

107,125 84 

94,300 98 

24,332 50 

24,332 50 

535,071 08 

331,036 74 

85,073 44 

72,023 21 

8,043 58 

70,090 02 

43,050 02 

131,092 29 

19,093 03 

101,252 50 

3,410 35 

757,807 88 

19,470 12 

89,924 50 

47,124 33 

15,000 00 

14,492 50 

2,035 00 

10,555 00 

90,000 00 

1,525,000 00 

600,000 00 

197,100 00 

925,925 00 

537,500 00 



$63,807,540 10 $07,250,984 74 



"NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY," 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 185S.] 

H. L. Palmer, President. J. W. Skixner, Secretary. 

Income. 

New premiums without deductions, . $2,002,100 29 

Renewal premiums, 0,743,246 25 

Premiums paid by surrendered policies, 175,540 94 

Cash received for annuities, . . 1,821 61 



Total, $8,922,775 09 



1890.] 



OF OTHER STATES. 



141 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Total income, 

•Net or ledger assets Dec. 31, 1889, .... 



. $2,129,848 59 

1,079 54 

G5,574 83 

$11,119,278 05 
. 35,643,738 81 



Total, 



$46,763,016 86 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 
for furniture and office fixtures, 

for advertising, 

for incidentals, 

for premiums on bonds purchased,. 

Total disbursements, 



$.2,091,999 68 

30,290 57 

459,984 35 

10,513 73 

$2,592,788 33 
151,207 84 

14,122 95 

175,540 94 

894,020 86 
4)5,454 82 

$3,923,135 74 

1,342,994 04 

31,169 43 

103,854 07 

153,335 39 

115,074 49 

3,968 26 

18,181 36 

4,511 26 

6,301 21 

253,626 75 

26,652 97 



.,982,804 97 



Balance, 



,780,211 89 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Premium notes or loans on policies in force, . 
Par value of bonds owned (schedule A), 



$997,106 22 

35,455,653 15 

602,741 62 

2,801,600 00 



142 



LIFE INSURANCE COMPANIES [Dec. 31 



Cash in company's office, . 

in transit (since received), 

deposited in bank, . 
Bills receivable, .... 
Agents 1 ledger balances, . 

Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, .... 



Rents due and accrued, .... 
Market value of bonds over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net anVt of uncollected and deferred prem's, 



3,020 97 

257,022 09 

666^14 49 

260 00 

15,403 35 

•SI 0,780,2 11 89 



509/72K 03 

5,423 37 

162,627 29 



£329,441 97 
790,586 00 



$1,120,027 97 
224,005 59 



896,022 38 



Total assets per company's books, 

Items not admitted. 

Agents' balances, .... 

Bills receivable, .... 

Total, 



$42,353,912 96 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



.5,403 35 
250 00 



15,653 35 



|42338,269 61 

126,150 00 



$42,212,109 61 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . f 35,505,660 00 
Death losses and matured endowments in 

process of adjustment, 8164,530 98 

Claims resisted by the company, . . . 29,775 00 

Total policy claims, 194,305 98 

Unpaid dividends of surplus due policy-holders, . . . 60,000 00 

Premiums paid in advance, 2,000 00 

Accrued commissions, 10,000 00 

Reserve for paid-up insurance, 130,775 00 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus due to Tontine stipulations (being only 
a part of the undivided surplus derived from 
Tontine and semi-Tontine policies), 

Surplus as regards other policy-holders, . 

Gross surplus, 

Gross liabilities, 



$35,902,740 98 
126,150 00 



$35,776,590 98 



^2,146,358 50 
4,289,160 13 



6,435,518 63 



$42,212,109 61 



1890.] 



OF OTHER STATES. 



143 



Premium Note Account. 

Premium notes on hand Dec. 31,1889, . . $702,541 99 

Premium notes received during 1890, . . 71,317 97 

Total, $773,859 96 

Used in payment of losses and claims, . . $10,804 30 
Used in payment of surrendered policies and 

voided by lapse, 14,122 95 

Used in payment of dividends to policy-holders, 95,454 82 

Redeemed by maker in cash, .... 20,736 27 

Total,/ 171,118 34 

Balance note assets Dec. 31, 1890, $602,74162 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 66,732 $161,415,548 00 

Endowment, . . . 17,089 37,008,668 00 

All other, .... 508 3,981,707 00 

84,329 $202,405,923 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
. 19,432 $50,192,048 00 
. 3,218 7,208,226 00 
396 1,361,500 00 
23,016 



58,761,774 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

286 $718,456 00 

85 185,105 00 

1 6,832 00 



372 



910,393 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies increased. 
30 
18 

$74,345 00 



48 



74,345 00 
2,564,442 00 



Total, .107,795 $264,716,877 00 

Policies terminated during the Year. 

Whole life, . . . 7,091 $ 18,520,187 00 
Endowment, . . . 1,813 3,606,467 00 
All other, .... 366 3,681,416 00 



9,270 $25,808,070 00 



144 



LIFE INSURANCE COMPANIES [Doc. 31, 



How terminated. 

Number. Amount. 



Total No. 



Total Amount. 



By death, . 


861 


$2,127,827 00 


maturity, 


32 L 


476,110 00 


expiry, 


261 


3,321,687 00 


surrender, 


733 


1,705,358 00 


lapse, . 


4,848 


10,862,241 00 


change and decrease, . 


5 


526,460 00 


Not taken, . 


2,251 


6,785,387 00 



9,270 $25,808,070 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1890. 

. 79,389 $193,889,007 00 

. 18,597 40,855,741 00 

539 4,164,059 00 



Bonds owned by the 



United States bonds, . 
Minnesota State bonds, 
Kansas City. Mo., bonds, . 
Sheboygan, Wis., city bonds, 
Beloit, Wis , city bonds, . 
Milwaukee, Wis., city bonds, 
Omaha, Xeb , city bonds, . 
Springfield, 111., city bonds, 
Stevens Point, Wis , city bonds, 
Carlinville, 111 , city bonds, 
Morrison, 111 , city bonds, 
Alton, 111., city bonds. 
Wyandotte, Kan , city bonds, 
Dubuque, la., city bond-. . 
Albion, Mich , city bonds, 
Colorado Springs, Col., city bonds, 
Washington, Neb , county bonds, 
Muskingum, O., county bonds, 
Chippewa, Wis., county bonds, 
Buffalo, Wis., county bonds, 
Milwaukee, Wis., county bonds, 
Mercer, O., county bonds, 
Dodge, Neb , county bonds, 
Pickaway, O., county bonds, 
Reno, Kan., county bonds, 
Adams, Neb., county bonds, 
Marion, Kan., county bonds, 
Gage, Neb., county bonds, 
El wood, 111., town bonds, . 
Kearney, Neb , city bonds, 



CLE A. 


jo,.yu«j,Q'J 4 \j\j 


/ the Company 






I'ar value. 


Market value. 




. §115,000 00 


* 131,331 25 




53,000 00 


54,192 50 




75,000 00 


->33 33 




53,000 00 






44,000 00 


47,275 55 




. 1,254,000 00 


26 67 




357,500 00 


387,417 50 




12,700 00 


13,546 67 




. ' . 2,000 00 


2,013 33 




3,000 00 


3,135 00 




2,: 






10,000 00 


11,433 33 




94,000 00 


101,050 00 




48,400 00 






50,000 00 


53,250 00 




51,000 00 


56,610 00 




5<>,000 00 


52,125 00 




50,000 00 


1 00 




15,000 00 


15,450 00 




17,000 00 


155 00 




43,000 00 


45,150 00 




73.500 00 


80,850 00 




5ti,000 00 


53,750 00 




02,000 00 


71,920 00 




50,000 00 


57,750 00 




40,000 00 


42,200 00 




43,000 00 


46,834 16 




48,000 00 


50,440 00 




18,000 00 


19,012 50 




17,000 00 


20,060 00 



-'1,600 00 $2,964,127 29 



1890.] 



OF OTHEK STATES. 



145 



"THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Edward M. Needles, President. Henry C. Brown, Secretary. 



Income. 

New premiums without deductions, 
Renewal premiums, .... 
Cash received for annuities, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for profits on securities sold, . 

Total income, 

Net or ledger assets Dec. 31, 1889, . 



$914,353 50 

2,695,834 18 

2,305 95 

f3,612,493 63 

4,302 64 

f3,608,190 99 

828,432 68 

14,653 55 

95,589 74 



$4,546,866 96 
14,298,397 14 



Total, 



,845,264 10 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders, $9,036 78 ; applied in 

payment of premiums, $520,642.01, .... 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 



.,052,974 92 

21,934 15 

177,725 52 

7,826 48 



.,260,461 07 
10,000 00 



L,250,461 07 

1,018 85 

203,397 37 

20,514 85 

529,678 79 
66,388 57 

1,071,459 50 

397,478 84 

131,518 17 

38,454 79 

79,713 77 



146 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for taxes and fees, . 

for rent, 

for furniture and office fixtures, 
for advertising and printing, . 
for incidentals, 



$98,659 34 

28,339 18 

4,731 30 

30,425 88 

82,164 CI 



Total disbursements, $2,912,935 38 

Balance, $15,932,328 72 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Bills receivable secured, . 

Agents' ledger balances secured, 

Sundry accounts, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent ), . 

Net ani't of uncollected and deferred prem's, 

Total assets per company's books, . 



$958,851 60 

5,433,458 65 

2,080,631 05 

520,747 00 

557,618 62 

6,084,104 43 

6 37 

200,598 14 

72,185 50 

7,237 36 

10,000 00 

$15,932,328 72 



127,230 29 

3,508 32 

104,409 57 



$269,590 44 
239,639 69 

£509,230 13 
101,846 03 



407,384 10 



$16,574,861 00 



Items not admitted. 
Loans in excess of market value, . . . $10,283 60 



Sundry accounts, 
Total, . 



Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



10,000 00 



20,283 60 

$16,554,577 40 
12,100 00 

£16,542,477 40 



1890.] OF OTHER STATES. 147 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $14,308,83100 
Deduct net value of re-insured risks, 60,865 00 



Net re-insurance reserve, $14,247,966 00 

Death losses and matured endowments in process of adjust- 
ment, 144,320 00 

Unpaid dividends of surplus due policy-holders, . . . 49,428 45 

Life rate endowment fund, 490,742 68 

Premiums paid in advance, ....... 10,541 24 

Outstanding scrip, 8,680 00 



Liabilities as to policy-holders, $14,951,678 37 

Deduct liabilities on special deposits, 12,100 00 



$14,939,578 37 
Surplus as regards special policy-holders, . § 113,863 28 
Surplus as regards other policy-holders, . . 1,489,035 75 

Gross surplus, 1,602,899 03 



Gross liabilities, § 16,542,477 40 



Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . $555,061 59 

Premium notes received during 1890, . . 128,198 11 

Total, $ 683,259 70 

Used in payment of losses and claims, . . $29,760 63 

Used iu payment of surrendered policies and 

voided by lapse, 20,514 85 

Used in payment of dividends to policy- 
holders, 66,388 57 

Redeemed by maker in cash, .... 8,977 03 

Total, 125,641 08 



Balance note assets Dec 31, 1890, $557,618 62 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 20,757 |55,539,874 00 
Endowment, . . . 9,933 21,426,765 00 
All other, . . . . 718 1,817,820 00 
Reversionary additions, . - 285,121 00 

31,408 $79,069,580 00 



148 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

Number. Amount. Total No. Total Amount. 

. 4,416 $12,639,585 00 
. 2,360 6,091,617 00 
244 802,666 00 
7,020 $19,533,868 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

Ill $196,626 00 
136 113,435 00 

277 661,889 00 



524 



971,950 00 



Whole life, 
Endowment, 



Old Policies changed and increased. 

11 $61,000 00 

3 14,000 00 



14 



Additions by dividends, . 



78,000 00 
79,454 00 



Total, 38,966 $99,732,852 00 



Policies terminated during the Year. 



Whole life, 


. 2,160 


$5,913,524 00 


Endowment, 


. 1,225 


2,749,088 00 


All other, . 


236 


791,539 00 




3,621 


$9,454,151 00 




How terminated. 


By death, . 


4L8 


$1,114,754 00 


maturity, 


118 


185,552 00 


expiry, 


114 


312,800 00 


surrender, . 


493 


1,063,829 00 


lapse, . 


. 1,561 


3,704,038 00 


change and decrea 


se, . 20 


398,128 00 


Not taken, . 


897 


2,675,050 00 

3,621 9,454,151 00 



Policies in force Dec. 31, 1890. 



Whole life, 


. 23,135 


$62,526,561 00 


Endowment, 


. 11,207 


24,896,729 00 


All other, . 


. 1,003 


2,504,939 00 


Reversionary additions, 


— 


350,472 00 



35,345 $90,278,701 00 



1890.] 



OF OTHER STATES. 



149 



Schedule A. 

Securities held as Collateral. 



Life insurance policy assigned, . _ . 
Northern Central Railroad bonds, . 
Austin, Tex , City Water Company bonds, 
Austin, Tex., Water, Light & Power Co. bonds 
Hutchinson, Kan., Street Railway stock, . 
Austin, Tex., Water, Light & Pow. Co. b'ds, etc 
300 shares Minn. Title Ins. and Trust Co., 
Hudson River Water Power and Paper Co., 
Life Insurance policies assigned, 
500 shares Minn. Title Ins. and Trust Co., 
Roanoke & Southern Railroad bonds, 
Sioux City, la., Street Railway bonds, 
Sioux City, la., Street Railway stock, 
Lynchburg & Durham Railroad bonds, . 
Marietta & North Georgia Railroad bonds, 
100 shares Stock Press Company, . 
20 " Chestnut Street National Bank, 
51 " United Gas Improvement Co., 
Atlantic Coast, St. Johns & Ind. Riv. R.R. b'ds 
Jacksonville, Tampa & Key West R.R. bonds 
Hot Springs Water Company bonds, 
Hot Springs Water Company certificates, 
Abilene, Kan , Water and Elec. L't Co. bonds 
Charleston, Cin. & Chicago R R. bonds, . 
Marietta & North Georgia Railway bonds, 
250 shares Penn. Bolt and Nut Company, 
300 " Union Passenger Railroad, . 
1600 " Penn. Boiler Insurance Company 
Savannah, Americus & Montgom. R.R. bonds 
Hutchinson, Kan., Water, L't and P. Co. bonds 
496 shares Hutchinson, Kan., Street Railway, 
Hutchinson, Kan., Water, L't and P. Co. bonds 
100 shares W. Phil a. Title Ins. and T. Co., etc. 

Phoenix Iron Company bonds, 

Jacksonville, Tampa & Key West R.R. bonds 
Savannah, Americus & Montgom. R.R. bonds 



Schedule B. 



Market value. 

$4,716 40 

1,080 00 

2,000 00 

51,000 00 

20,000 00 

119,750 00 

30,900 00 

15,000 00 

1,481 60 

51,500 00 

135,000 00 

150,000 00 

150,000 00 

330,300 00 

59,400 00 

10,000 00 

2,360 00 

3,060 00 

202,500 00 

36,900 00 

45,000 00 

16,054 15 

67,000 00 

50,000 00 

27,000 00 

37,500 00 

51,000 00 

51,000 00 

190,000 00 

118,750 00 

24,800 00 

175,750 00 

3,000 00 

70,000 00 

1,960 00 

95,000 00 



Amount loaned. 

$5,000 00 
2,800 00 



30,000 00 

10,000 00 
24,000 00 

15,000 00 

40,000 00 
100,000 00 

65,000 00 

200,000 00 

53,500 00 

6,300 00 

5,000 00 

169,000 00 
31,000 00 

25,156 05 

60,000 00 
60,000 00 
25,000 00 
25,000 00 
40,000 00 
20,000 00 
150,000 00 

75,000 00 

84,375 00 

2,000 00 

65,000 00 

1,000 00 

75,000 00 



f2,400,762 15 $1,464,131 05 



Stocks and Bonds owned by the Company. 

Par value. Market value. 

United States bonds, $110,000 00 $133,100 00 

Pennsylvania Railroad bonds, .... 206,000 00 242,235 00 

American Steamship Company bonds, . . 25,000 00 26,250 00 



150 



LIFE INSURANCE COMPANIES [Dec. 31, 



Pennsylvania Equipment Trust certificates, 

Northern Central Railway bonds, . 

North Pennsylvania Railroad bonds, 

Philadelphia & Reading Railroad certificates, 

Northeast Pennsylvania Railroad bonds, . 

Allentown, Pa, Passenger Railway bonds, 

Carthage & Adirondack, N.Y., Railway bonds 

Baltimore & Ohio Railroad' certificates, . 

Toledo & Ohio Central Railroad bonds, . 

Northwestern North Carolina R.R. bonds, 

East Tennessee, Virginia & Georgia R'y bonds 

Venice & Carondelet Railway bonds, 

Jacksonville Southeastern, 111., R\vay bonds, 

Minneapolis & St. Louis Railroad bonds, 

Minneapolis & Duluth Railroad bonds, . 

Terre Haute & Logansport Railroad bonds, 

Columbus & Cincinnati, O., Midland R.R. bonds 

Grand Rapids & Indiana Railroad bonds, 

Marietta & North Georgia Railway bonds, 

Cape Fear & Yadkin Valley, N. C, R'y bonds 

Zanesville & Ohio River Railway bonds, 

Toledo Belt Railway bonds, 

Ohio River Railroad bonds, 

Norfolk & Western Railroad bonds, 

Chicago & West Michigan Railway bonds, 

Sioux City, la., Tm'l R.R. & W'ehouse Co. b'ds 

Poughkeepsie Bridge Company, N. Y , bonds, 

Chester, Pa , bonds, . 

Salem, N. J., bonds, . 

Winston Township, N. C, bonds, 

Durham, N. C, bonds, 

Cumberland City, MdL, bonds, . 

City of Fernandina, Fla., bonds, 

Xenia City, O., bonds, 

Piqua City, O., school-house bonds, 

Findlay, O., bonds, . 

Mt. Vernon, O., bonds, 

Ravenna, O., bonds, . 

City of Lima, O., bonds, '. 

Louisville, Ky., city bonds, 

Evansville, Ind., bonds, 

St. Joseph, Mo., bonds, 

Atchison, Kan., bonds, 

City & Township of Independence, Kan., bonds 

County of Saline, Kan., bonds, . 

Duluth, Minn., board of trade bonds 

Lincoln city, Neb., bonds, . 

Nebraska city, Neb., bonds, 

Hastings, Neb., bonds, 



Par value. 

$100,000 00 
110,000 CO 
100,000 00 
100,000 00 
173,000 00 
50,000 00 
63,000 00 
50,000 00 
125,000 00 
105,000 00 
100,000 00 
200,000 00 
50,000 00 
100,000 00 
50,000 00 
100,000 00 
150,000 00 
100,000 00 
105,000 00 
75,000 00 
120,000 00 
137,000 00 
100,000 00 
100,000 00 
100,000 00 
150,000 00 
100,000 00 
100,000 00 
67,000 00 
65,000 00 
50,000 00 
6,000 00 
40,000 00 
71,000 00 
16,000 00 
75,000 00 
22,000 00 
60,000 00 
150,000 00 
50,000 00 
45,000 00 
100,000 00 
75,000 00 
48,200 00 
84,000 00 
40,000 00 
40,000 00 
100,000 00 
100,000 00 



Market value. 

$95,000 00 
118,800 00 

122,000 00 

98,500 00 

164,350 00 

50,000 00 

46,500 00 

50,000 00 

116,250 00 

101350 00 

87,000 00 

200,000 00 

42,500 00 

103,000 00 

50,000 00 

100,000 00 

135,000 00 

88,000 00 

94,500 00 

.000 00 

72,000 00 

137,000 00 

100,000 00 

92,500 00 

91,000 00 

145,500 00 

56,000 00 

109,000 00 

7<),350 00 

66,950 00 

51,500 00 

6,600 00 

40,000 00 

72,690 00 

16,480 00 

76,500 00 

22,880 00 

60,600 00 

154,500 00 

58,000 00 

42,750 00 

112,000 00 

60,000 00 

48,200 00 

84,000 00 

40,000 00 

40,000 00 

102,000 00 

98,000 00 



1890.] 



OF OTHER STATES. 



151 



ComVial Club of City of Ft. Worth, Tex , bds. 
City of Beatrice, Neb., bonds, . 
Union Stock Yard Co. of Sioux City, la , bonds 
Jamestown, N. Y , Water Supply Co. bonds, 
Jamestown, N. Y., Gas Company bonds, . 
Hudson Riv. Water Power & Paper Co. bonds 
Chillicothe, O., Gas & Water Company bonds 
Hamilton &Rossville,0., Hydraulic Co. bonds 
St. Jo , Mo., Water Company bonds, 
Joplin, Mo., Water Company bonds, 
Hot Springs, Ark., Water Company bonds, 
Burlington, la., Water Company bonds, . 
Austin, Tex., Water Company bonds, 
Freeport, 111., Water Company bonds, 
National Water Works Co. of N. Y. bonds, 
Booneville, Mo., W T ater Company bonds, . 
National Water Works Investment Co. bonds 
Champaign & Urbana, 111 , W. & E. L. Co. bds. 
United Security Life Ins. & Trust Co. bonds, 
Duquesne Club, Pittsburg, Pa., bonds, 
500 shares Delaware Mutual Safety Ins. Co., 
100 " Western Nat'l Bank, Philadelphia, 
76 " Bank of North America, Phila., 
50 " Girard National Bank, Philadelphia 



Par value. 

$20,000 00 
80,000 00 
90,000 00 

150,000 00 
45,000 00 
50,000 00 
83,500 00 
50,000 00 

100,000 00 
75,000 00 

100,000 00 
75,000 00 

130,000 00 

109,000 00 

100,000 00 
50,000 00 

100,000 00 

100,000 00 
50,000 00 

107,000 00 

12,500 00 

5,000 00 

7,600 00 

2,000 00 

$6,219,800 00 



Cost, 



Excess of market value over cost, 



Market value. 

820,800 00 

80,000 00 

83,700 00 

150,000 00 

45,000 00 

50,000 00 

83,500 00 

50,000 00 

105,000 00 

78,750 00 

100,000 00 

75,000 00 

130,000 00 

109,000 00 

100,000 00 

•49,000 00 

95,000 00 

95,000 00 

50,000 00 

107,000 00 

23,875 00 

10,300 00 

25,764 00 

5,050 00 

56,188,574 00 
6,084,164 43 

$104,409 57 



"PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 



[Incorporated March 22, 1865. Commenced business June, 1865.] 
Paid-up Capital, $1,000,000. 

Samuel R. Shirley, President. Asa S. Wing, Vice.-Pres. and Actuary. 

Income. 

New premiums without deductions, $450,000 00 

Renewal premiums, 2,278,428 42 

Premiums paid by dividends, 372,264 36 

Cash received for annuities, 12,206 15 

Total, $3,112,898 93 



152 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash received for interest 

for rents of company's property, 
on investments of capital,* 

Total income, 

Net or ledger assets Dec. 31, 1889, . 



Total, 



. $800,076 63 
13,953 36 
46,590 00 

. $3,973,518 92 
. 15,942,737 79 

$19,916,256 71 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, .... 

for salaries and travelling expenses of agents, 

for medical examiner's fees, .... 

for salaries of officers and office employees, . 

for taxes and fees, . 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, .... 
Charged to profit and loss account, . 

Total disbursements, .... 

Balance, 



$630,069 00 

369,071 00 

$999,140 00 

23,263 14 

137,637 76 

412 50 

372,264 36 

3,925 20 



$1,536,642 96 

46,590 00 

275,932 40 

22,035 64 

19,602 70 

109,297 12 

48,061 68 

9,262 09 

5,542 89 

8,136 74 

52,571 70 

148,«47 22 

. $2,282,523 14 

617,633,733 57 



* The charter, besides authority to transact a life insurance business, confers also authority to 
act as administrator, executor, etc., to transact what is known as a trust business. The relations 
of the two departments of the business are fixed by the provisions of the charter. The accounts 
are kept entirely distinct and separate. The entire surplus in the insurance department accumu- 
lates for the benefit of the policy-holders. The only advantage, direct or indirect, which the 
stockholders can at any time have from the union of the two features of the business results from 
the fact that the management of the trust business, from which they derive their profits, is done 
for them without charge. This includes the interest on the capital. 



1890.] 



OF OTHER STATES. 



153 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets (as per balance), 



fl.151,550 00 

8,245,424 38 

1,127,934 81 

944,900 05 

32,045 51 

6,055,660 00 

76,218 82 

$17,633,733 57 



§ Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$231,843 90 
477,233 63 



174,182 17 

2,746 35 

228,695 00 



Total, $709,077 53 

Deduct loading (20 per cent.), . . . . 141,815 51 

Net am't of uncollected and deferred prem's, . 567,262 02 



Total assets per company's books, . 



$18,606,619 11 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . 

Death losses and matured endowments in 
process of adjustment, . 

Due and unpaid on annuity claims, 
Total policy claims, . 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, 

Miscellaneous, .... 



$16,007,514 00 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, . 
Surplus over capital, . . . 

Gross liabilities, 



$16,367 00 
225 21 



$2,460,034 "66 



16,592 21 
23,386 22 
59,130 84 
39,961 18 

$16,146,584 45 

. ' 1,000,000 00 
. 1,460,034 66 

$18,606,619 11 



Premium Note Account. 



Premium notes on hand Dec. 31, 1889, 
Premium notes received during 1890, 



$35,749 58 
3,046 27 



Total, $38,795 85 



154 



LIFE INSURANCE COMPANIES [Dec. 31, 



Used in payment of surrendered policies and 

voided by lapse, $112 50 

Used in payment of dividends to policy- 
holders 3,925 20 

Redeemed by maker in cash, .... 2,412 64 

Total, $6,750 34 



Balance note assets Dec. 31, 1890, . 



$32,045 51 



Exhibit of Policies. 
Policies and Additions in force Dec. 3J, 1889. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

2,169 $7,164,227^)0 

21,214 64,087,935 00 

23 74,200 00 

490,204 00 

23,406 $71,816,566 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment. 
All other, . 



Policies issued during the Year. 



265 

3,380 

394 


$1,050,240 00 
9,736,826 00 
1,837,250 00 


Old Policies revived. 

5 $18,000 00 

75 210,000 00 

345 00 



4,039 12,624,316 00 



80 



228,345 00 



Old Policies changed and increased. 
Whole life, ... 7 $21,500 00 

Endowment, ... 63 250,000 00 

All other, .... 1 3,000 00 



71 



Additions by dividends, . 



274,500 00 
114,194 00 



Total, 27,596 $85,057,921 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
112 $317,932 00 



1,849 
8 



5,337,721 00 
127,323 00 



1,969 $5,782,976 00 



1890.] 



OF OTHER STATES. 



155 



By death, . 

maturity, 

expiry, . 

surrender, 

lapse, . 

change and decrease, 
Not taken, . . . 



How terminated. 

Number. Amount. 

199 $610,232 00 

152 371,249 00 

1 3,000 00 

415 1,249,763 00 

1,057 2,822,732 00 

71 461,000 00 

74 265,000 00 



Total No. 



Total Amount. 



1,969 $5,782,976 00 



Policies in force Dec. 31, 1890. 



Whole life, . . . 2,334 

Endowment, . . i 22,883 

All other, ■ . . . 410 

Reversionary additions, . - 



$7,936,035 00 

68,947,040 00 

1,832,450 00 

559,420 00 



.25,627 $79,274,945 00 



Schedule A. 
Securities held as Collateral. 



Lehigh Valley Railroad bonds, 

Philadelphia Traction Company stock, 

Metropolitan Traction Company stock, 

Philadelphia city bonds, . 

Elmira & Williamsport Railroad stock, 

Rio Grande Western Railway bonds, 

Pennsylvania Railroad stock, . 

Philadelphia & Reading Railroad bonds, 

Philadelphia & Reading Railroad stock, 

Beech Creek Railroad bonds, . 

Philadelphia & Reading Railroad bonds, 

Columbus & Cincinnati Midland R.R. bonds, 

Philadelphia Trust, Safe D. & Ins. Co. stock, 

Cambria Iron Company stock, . 

Lehigh Valley Railroad stock, . 

Lehigh Coal & Navigation Company stock, 

North Pennsylvania Railroad stock, 

Mine Hill & Schuylkill Haven Railroad stock 

Pennsylvania Railroad stock, . 

Phila , Germantown & Norristown R.R. stock 

Texas & Pacific Railway bonds, 

Norfolk & Western Railroad bonds, 

Birmingham & Pittsburgh Traction Co. bonds 

Savannah & Western Railroad bonds, 

Ohio River Railroad bonds, 

Philadelphia & Trenton Railroad stock, . 

Pennsylvania Railroad stock, . 



Market value. 

$1,250 00 

13,000 00 

4,000 00 

2,875 00 

6,900 00 

21,750 00 

110,892 75 

130,350 00 

35,000 00 

18,750 00 

3,950 00 

7,200 00 

1,320 00 

2,380 00 

1,657 50 

4,822 75 

2,240 00 

3,468 00 

2,238 75 

5,375 00 

1,690 00 

31,360 00 

16,000 00 

7,380 00 

11,050 00 

13,224 00 

3,291 75 



Amount loaned. 

$200 00 
15,666 67 

2,500 00 

5,000 00 

19,000 00 

100,000 00 

100,000 00 

48,958 33 
5,000 00 



} 20,000 00 



)> 50,000 00 



12,900 00 



156 



LIFE INSURANCE COMPANIES [Dec. 31, 



Little Schuylkill Navig. & Railroad Co. stock, 
Mine Hill & Schuylkill Haven R.R. Co. stock, 
Lehigh Coal & Navigation Company stock, 
Pennsylvania Railroad stock, . 
Insurance Company of North America stock, 
Pennsylvania Salt Manufacturing Co. stock, 
Lehigh Coal & Navigation Company bonds, 
Philadelphia & Trenton Railroad stock, . 
Philadelphia & Reading Railroad bonds, 
Lehigh Coal & Navigation Company stock, 
Mortgage Trust Co. of Pennsylvania stock, 
People's Passenger Railway stock, . 
Philadelphia & Erie Railroad stock, 
Metropolitan Traction Company stock, . 
Lehigh Valley Railroad stock, . 
Laclede Gas Light Company bonds, 
Pennsylvania Railroad stock, . 
Ridge Avenue Passenger Railway stock, . 
United Gas Improvement Company stock, 
Pennsylvania Railroad stock, . 
Ohio & Mississippi Railroad stock, . 
Pittsburgh, Cin. & St. Louis Railway bonds, 
Lehigh Valley Railroad bonds, 
Pennsylvania Railroad stock, . 
Philadelphia Trust, S. D & Ins Co. stock, 
Pennsylvania Railroad bonds, . 
American Security & Trust Company stock, 
Philadelphia & Reading Railroad stock, . 
Cambria Iron Company stock, . 
Westmoreland Coal Company stock, 
Ashtabula & Pittsburgh Railway bonds, . 
Grand Rapids & Indiana Railroad bonds, 
First Nat'l Bank of Philadelphia stock, . 
Lehigh Valley Railroad stock, . 
Mortgage Trust Company of Penn. stock, 
Central Nat'l Bank of Philadelphia stock, 
Indianapolis & Vincennes Railroad bonds, 
Pennsylvania Railroad bonds, . 
Insurance Company of North America stock, 
Union Pacific, Denver & Gulf Railway bonds 
Lehigh Coal & Navigation Company bonds, 
Pennsylvania & N. Y. Canal & R.R bonds, 
Philadelphia & Reading Railroad bonds, 
Phila. Trust, Safe Deposit & Ins. Co. stock, 
Pennsylvania Railroad stock, . 
Lehigh Valley Railroad stock, . 
West Chicago Street Railroad stock, 
Pennsylvania Railroad stock, . 



Market value. 

$2,600 00 ^ 
1,088 00 
3,337 00 
3,890 25 r* 
1,092 00 I 
300 00 ! 
708 50 J 
16,188 00 
10,080 00 
42,300 00 ) 
15,000 00 S 
42,000 00 
13,250 001 
32,000 00 ! 
9,700 00 [ 
11,850 00 j 
1,246 87} 
1,760 00 > 
3,850 00' 
4,987 50 
1,900 00} 
7,080 00 > 
6,250 00' 
1,895 25 
44,000 00 
2,194 50} 
12,500 00 > 
9,010 00-) 
5,840 00 
2,470 00 
1,150 00 ) 
3,600 00 S 
61,000 00 
30,312 50 
4,200 00 
5,400 00 
3,090 00 
6,250 00 ) 
1,742 00 S 
9,240 00 
2,500 00 
3,270 00 
6,720 00 
7,920 00 
9,975 00 
4,850 00 
75,600 00 
59,850 00 



Amount loaned. 



$4,741 67 



800 00 
2,000 00 

23,000 00 
45,000 00 

50,000 00 

5,500 00 

2,000 00 
13,900 00 

1,500 00 
10,000 00 

20,000 00 

2,600 00 
2,000 00 

3,400 00 

49,466 67 

24,479 17 

2,800 00 

3,000 00 

2,400 00 

6,100 00 

7,000 00 
2,000 00 

9,000 00 

5,000 00 
12,000 00. 

49,166 67 
49,050 00 



1890.] 



OF OTHER STATES. 



157 



Lehigh Valley Railroad bonds, 
Pennsylvania Canal Company bonds, 
Girard Life Ins., Ann. & Trust Co. stock, 
Philadelphia & Reading Railroad bonds, 
Baltimore Traction Company stock, 
Fidelity Ins. Trust & Safe Deposit Co. stock, 
Metropolitan Traction Company stock, . 
Pittsburgh Traction Company stock, 
Philadelphia Traction Company stock, . 
Metropolitan Traction Company stock, . 
Fidelity Ins. Trust & Safe Deposit Co. stock, 
Baltimore Traction Company stock, 
West Chicago Street Railroad stock, 
Ridge Avenue Passenger Railway stock, . * 
Poughkeepsie Bridge Company bonds, . 
Car Trust of New York certificates, 
The United Gas Improvement Co. stock, 
Philadelphia & Reading Railroad stock, . 
Laclede Gas Light Company stock, . 
Texas & Pacific Railway stock, 
N. Y., Susquehanna & Western R.R. stock, 
Philadelphia & Reading Railroad bonds,. 
Terre Haute & Peoria Railroad bonds, . 
Georgia Pacific Railway bonds, 
Texas & Pacific Railway bonds, 
Chesapeake & Ohio Railway bonds, 



Market value. Amount loaned. 

$3,750 00 ? jm 200 00 

1,800 00 S 

7,920 00^ 

7,900 00 | 

7,500 00 j> 50,000 00 
21,000 00 I 
16,000 00 J 
19,800 00^ 
136,500 00 
16,000 00 

4,200 00 } 175,000 00 

3,000 00 

7,560 00 

8,400 00 J 

3,300 00 
850 00 
32,720 00^1 
65,600 00 

6,400 00 

1,400 00 \ 

3,750 00 

6,210 00 

3,000 00 J 

3,240 00) 

4,250 00 > 7,500 00 

1,900 00-) 



4,105 63 



100,000 00 



$1,464,402 87 $1,127,934 81 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

Lehigh Valley Railroad bonds, . . . $96,600 00 f 96,600 00 

Central Railroad of New Jersey bonds, . . 53,500 00 53,500 00 

Philadelphia & Reading Railroad bonds, . 197,500 00 197,500 00 

Atlantic City Railroad bonds, .... 101,00000 101,00000 

Richmond & Danville Railroad bonds, . . 110,095 00 110,095 00 

Pennsylvania and N. Y. Canal & R.R. bonds, . 500,000 00 500,000 00 

Central National Bank of Philadelphia stock, 108,000 00 108,000 00 

Western New York & Penn. R.R. bonds, . 60,760 00 60,760 00 

Philadelphia & Erie Railroad bonds, . . 22,545 00 22,515 00 

Lehigh Valley Railroad bonds, . . . 362,500 00 448,500 00 

Easton & Amboy Railroad bonds, . . . 226,000 00 242,000 00 

Lehigh Coal and Navigation Company bonds, 96,000 00 98,000 00 

Baltimore & Ohio Railroad bonds, . ' . . 150,000 00 157,500 00 

Northern Pacific Railroad bonds, . . . 70,000 00 79,800 00 

City of Louisville, Ky., bonds, .... 250,000 00 250,000 00 

Lehigh & Wilkesbarre Coal Company bonds, . 12,000 00 12,600 00 



158 



LIFE INSURANCE COMPANIES [Dc 



Pennsylvania Railroad bonds, . 
Northern Central Railway bonds, . 
Kentucky and Indiana Bridge Company bonds 
Philadelphia & Baltimore Central R.R. bonds 
Texas & Pacific Railway bonds, 
North Pennsylvania Railroad bonds, 
Catasauqua & Fogelsville Railroad bonds, 
Belt Railroad and Stock Yard Company bonds 
Missouri Pacific Railroad bonds, 
Oregon & Pacific Railroad bonds, . 
Verdigris Val., Inde. & Western R.R. bonds, 
Central Railroad of New Jersey bonds, . 
City of Richmond, Va., bonds, . 
West Philadelphia Passenger Railway bonds 

Lynchburg, Va., bonds 

Gloucester Ferry Company bonds, . 

Texas & Pacific Railway bonds, 

New York, Lake Erie & Western R R. bonds 

Philadelphia & Reading Railroad bonds, 

City of Quincy, 111 , bonds, 

City of St. Louis, Mo., bonds, . 

Grand Rapids & Indiana Railroad bonds, 

Western Pennsylvania Railroad bonds, . 

Lehigh Coal and Navigation Company bonds 

Mercer County, Ky., bonds, 

Philadelphia & Erie Railroad bonds, 

Chicago, Rock Island & Pacific Railroad bonds 

City of Frankfort, Ky., bonds, . 

Car Trust of New York certificates, 

Wabash Railroad bonds, .... 

Cincinnati city pavement bonds, 

Manhattan Railway bonds, 

Atlantic City Railroad bonds, . 



Cost. 

$265,000 00 

284,000 00 

61,600 00 

110,000 00 

111,000 00 

271,000 00 

36,000 00 

30,000 00 

89,000 00 

30,000 00 

49,500 00 

150,000 00 

125,000 00 

50,000 00 

50,000 00 

170,000 00 

18,760 00 

50,000 00 

224,250 00 

100,000 00 

88,000 00 

96,000 00 

50,000 00 

230,000 00 

100,000 00 

98,500 00 

95,000 00 

100,000 00 

169,950 00 

44,800 00 

3,000 00 

223,800 00 

65,000 00 



Market value. 

t,70U 00 
I 00 
64 

115,500 00 

110,550 00 

289,970 00 

36,000 00 

31,500 00 

• 93,005 00 

30,000 00 

50,000 00 

160,500 00 

137,500 00 

2,500 00 

50,000 00 

170,000 00 

18,230 00 

50,000 00 

224,500 00 

100,000 00 

88,000 00 

88,000 00 

50,000 00 

230,000 00 

100,000 00 

97,000 00 

93,100 00 

100,000 00 

169,950 00 

44,800 00 

3,000 00 

223,800 00 

65,650 00 



$6,055,660 00 §6,284,355 00 



"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 
YORK;' NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 
Paid-up Capital, $100,000. 

Sheppard Homans, President. William E. Stevens, Secretary. 

Income. 

New premiums without deductions, $259,944 36 

Renewal premiums, " . . . . 916,771 81 

Premiums paid by dividends, including additions, . . . 345,828 04 



Total, $1,522,544 21 



1890.] OF OTHER STATES. 

Deduct amount paid for re-insurance, 

Total premium income, 

Cash received for interest, 



159 

$9,953 68 

. $1,512,590 53 
30,817 25 



Total income, . . . $1,543,407 78 



Net or ledger assets Dec. 31, 1889, . 
Total, 



607,479 21 



$2,150,886 99 



Disbursements. 

Cash paid for losses and additions, .... 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Cash dividends paid policy-holders, $701.44; applied in 
ment of premiums, $345,828 04, .... 



Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
Cash advanced to officers or agents, 
Cash paid for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 



Balance, 



pay 



$716,931 60 
9,973 60 

$706,958 00 

100 00 

1,491 88 

346,529 48 

fl,055,079 36 

173,546 37 

16,102 55 

20,228 05 

43,749 26 

15,999 88 

19,232 15 

2,000 00 

10,274 91 

1,567 34 

17,714 30 

25,791 13 

$1,461,285 30 



$749,601 69 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 



$61,708 83 

107,900 00 

22,500 00 

3,750 00 

443,951 34 

804 46 



1G0 LIFE INSURANCE COMPANIES [Dec. 31, 

» 

Cash deposited in bank, $90,350 31 

Agents' ledger balances, 18,636 75 



Ledger assets (as per balance), $749,601 69 

Deduct depreciation from cost of assets, 10,200 00 



Total net or ledger assets, $739,401 69 



Other Assets. 

Interest due and accrued, >2 02 

Market value of real estate, over cost, 14,000 00 

Uncollected premiums on policies in force, . $60,212 14 
Deferred premiums on policies in force, . . 68,142 65 



Total, $128,354 79 

Deduct loading (20 per cent.) .... 25,670 96 

Net am't of uncollected and deferred prem's, . 102,683 83 



Total assets per company's books, $861,667 54 

Items not admitted. 

Agents 1 balances, 18,636 75 

Total admitted assets, $843,030 79 

Deduct special deposits in other States, 68,442 50 

Balance, $774,588 29 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $310,047 00 
Death losses in process of adjustment, . . $132,000 00 
Claims resisted by the company, . . . 2,000 00 

Total policy claims, 134,000 00 

Liabilities as to policy-holders, $ 444,047 00 

Deduct liabilities on special deposits, 11,248 00 

$432,799 00 
Surplus as regards policy-holders, . . . $341,789 29 

Paid-up capital, 100,000 00 

Surplus over capital, 241,789 29 

Gross liabilities, $774,588 29 



1890.] 



OF OTHER STATES. 



16L 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 





Number. 


Amount. 


Total No. 


Total Amount. 


Whole life, 


117 


$71,586 00 






Endowment, 


135 


122,150 00 






All other, . 


. 15,500 


60,760,472 00 


15,752 


$60,954,208 00 



Policies issued during the Year, 



Whole, life, 
Endowment, 
All other, . 

Old policies revived, 



20 



$40,500 00 . 



196 279,100 00 

4,595 15,768,480 00 



4,811 16,088,080 00 
18 62,000 00 



Whole life, 
All other, . 



Old Policies increased. 

1 $5,250 00 

11 19,000 00 



12 



24,250 00 



Total, 20,593 $77,128,538 00 



Policies terminated during the Year. 

Whole life, ... 13 $16,950 00 

Endowment, ... 65 71,200 00 

All other, .... 3,297 11,908,779 00 



3,375 $11,996,929 00 



By death, . 

expiry, . 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



How terminated. 

173 $782,175 00 

2,732 9,491,345 00 

16 13,700 00 

33 28,450 00 

1 166,259 00 

"420 1,515,000 00 



Whole life, 
Endowment, 
All. other, . 



icics in force 


Dec. 31, 1890 


125 


$100,386 00 


266 


330,050 00 


. 16,827 


64,701,173 00 



3,375 11,996,929 00 



17,218 $65,131,609 00 



1G2 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule A. 
Securities held as Collateral. 

Market value. 

Ohio & West Virginia Railroad bonds, . . ,400 00 

Missouri, Kansas & Texas Railroad bonds, . 3,800 00 

Kanawha & Michigan Railroad bonds, . . 14,200 00 

375 shares Northern Chief Iron Company, . 15,000 00 



Amount loaned. 

|7,500 00 

10,000 00 
5,000 00 



537,400 00 ^22,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

10 shares Macon, Ga , Savings Bank, . . $980 00 $980 00 

50 " Provident National B"k, Waco, Tex , 5,000 00 5,500 00 

50 " Traders 1 Bank. Tacoma, Wash., . 5,750 00 50 00 

25 " Citizens' National Bank, Englewood, 2,500 00 2,750 00 

Atchison, Jewell Co. & Western R.R. bonds, . 15,190 00 14,720 00 

Toledo & Ohio Central Railroad bonds, . . 7,720 00 8,320 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,075 00 5,350 00 

Englewood, N. J , school bonds, . . . 13,413 84 13,413 84 

Quebec government bonds, .... 14,562 50 14,985 00 

New York, Chicago & St. Louis R.R. bonds, . 18,287 50 18,200 00 

Fort Worth & Denver City Railroad bonds, . 19,700 00 20,000 00 

Montreal city bonds, 43,357 50 43,357 50 

Toledo, Ann Arb & Lake Mich. R.R. bonds, . 18,500 00 17,000 00 

Northwestern Telegraph Company bonds, . 15,900 00 15,450 00 

Richmond city bonds, 10,100 00 10,100 00 

Texas & Pacific Railroad bonds, . . . 22,947 50 21,750 00 

Louisville, St. Louis & Texas Railroad bonds, 9,750 00 7,850 00 

Duluth Steamship & Atlantic Railroad bonds, . 29,100 00 -.125 00 

Chesapeake & Ohio Railroad bonds, . . 14,375 00 13,300 00 

Missouri, Kansas & Texas Railroad bonds, . 7,712 50 00 

Union Pacific Railroad bonds, .... 8,600 00 7,900 00 

United States bonds, 125,000 00 121,000 00 

Kanawha & Michigan Railroad bonds, . . 25,850 00 24,850 00 

Ohio Southern Railroad bonds, . . . 4,580 00 5,500 00 



§443,951 34 £433,751 34 



1890.] 



OF OTHER STATES. 



163 



"THE TRAVELERS' INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business July, 1865.] 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 



New premiums without deductions, 
Renewal premiums, .... 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash for rents of company's property, 

Total income, .... 
Net or ledger assets Dec. 31, 1889, . 



Total, 



$323,897 22 
1,222,319 58 

$1,546,216 80 
31,148 09 

$1,515,068 71 

491,137 02 

44,713 23 

$2,050,918 96 
9,822,049 76 

$11,872,968 72 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, . 

Total paid policy-holders, .... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, .... 

for rent, 

for advertising, .... 

for incidentals, . . 
Profit and loss account, 



Total disbursements, . 
Balance, 



^576,981 82 
98,663 00 



$675,644 82 
10,000 00 

$665,644 82 

1,905 20 

100,362 44 



$767,912 46 
165,020 93 
15,265 91 
15,027 98 
61,810 64: 
13,425 51 
750 04 
38,353 74 
18,129 83 
19,917 94 

. $1,115,614 98 

110,757,353 74 



164 



LIFE INSURANCE COMPANIES [Doc. 31, 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, . 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Suspense account, 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, . 

Other Assets. 



Interest due and accrued, .... 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



11,586,584 17 

3,227,143 07 

568,935 00 

294.574 48 
4,294,467 87 

l,o: 

710,837 67 

67,276 24 

$10,757,353 74 

561.575 31 

$10,195,778 43 

62,536 34 



8144,951 56 
199,361 49 



Total, $344,313 05 

Deduct loading (20 per cent),. ... 68,86261 
Net am't of uncollected and deferred prem's, . 

Total assets per company's books, .... 

Items not admitted. 



275,450 44 



,533,765 21 



Suspense account, 



Total admitted assets, 
Deduct special deposits in other States, . 



67,276 24 

$10,466,488 97 
748,662 13 



Balance, $9,717,826 84 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . .$9,155,357 00 
Deduct net value of re-insured risks, 51,722 00 



. $9,103,635 00 



Net re-insurance reserve, 

Death losses and matured endowments in 

process of adjustment, $49,099 00 

Claims resisted by the company, . . . 1,000 00 

Total policy claims, 50,099 00 

Reserve for indemnity contracts, 5,000 00 



Liabilities as to policy-holders, 



. $9,158,734 00 



1890.] OF OTHER STATES. 

Deduct liabilities on special deposits, 

Surplus as regards policy-holders, .... 
Gross liabilities, 



165 



$748,443 32 

$8,410,290 68 
1,307,536 16 

$9,717,820 84 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

. 15,198 $28,889,587 00 

. 6,051 11,416,702 00 

. 1,198 4,672,660 00 
22,447 $44,978,949 00 

Policies issued during the year. 

. 1,826 f 4,2 14,059 00 

. 1,114 2,282,174 00 

. 1,213 7,199,625 00 
4,153 13,695,858 00 



Old Policies revived. 

32 $76,040 00 

22 26,733 00 

13 27,500 00 



67 



130,273 00 



Old Policies transferred or increased. 



8 

22 

174 



$23,130 00 

67,692 00 

412,200 00 



204 



503,022 00 



Total, . 26,871 $59,308,102 00 

Policies terminated during the Tear. 
W T hole life, . . . 1,230 $2,901,172 00 
Endowment, ... 763 1,481,010 00 
All other, .... 334 1,367,700 00 





2,327 


$5,749,882 00 




How terminated. 


By death, . 


271 


$558,907 00 


maturity, 


97 


99,879 00 


expiry, . 


7 


15,000 00 


surrender, 


199 


300,239 00 


lapse, . 


938 


2,195,550 00 


change and decrease, 


338 


1,189,657 00 


Not taken, . 


477 


1,390,650 00 



2,327 5,749,882 00 



166 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, IS 00. 

Number. Amount. Total No. 

. 15,834 $30,301,644 00 

. G,446 12,312,291 00 

. 2,264 10,944,285 00 

24,544 



Total Amount. 



153,558,220 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

Hartford Carpet Company stock, . . . $1,746 00 

Phoenix Insurance Company stock, Hartford, 

Chicago, Burlington & Quincy R.R. stock, 

Colorado Land and Loan Co stock, Denver, 

Hartford Trust Company stock, Hartford, 

Bank of North America, New York, 

Galveston, Harrisb'g & San Antonio R R. bond: 

Willimantic Linen Company stock, . 

Hartford Electric Light Company stock, . 

Notes of the Hartford Electric Light Co , 

First National Bank stock, Alamosa, Col., 

Eagle Lock Company, Terry ville, Conn , 

Southern New England Telephone Co stock, 

Pratt & Cady Co stock, Hartford, Conn., 

Jewell Pin Company stock, Hartford, Conn , 

Billings & Spencer Co. stock, Hartford, Conn 

Bank of Topeka stock, Topeka, Kan , 

Chicago & Alton Railrotfd stock, 

Chase National Bank stock, New York, . 

New Jersey Central Railroad stock, 

Western Union Telegraph Company stock, 

Policy No 84,861, Conn Mut. Life ins Co , 

Note secured by real estate, 

Richmond Light, Heat and Power Co., N. Y\, 

Johnson, Tenn., city bonds, 

Pleasant Hill Township, N. C, bonds, 

Mortgages on real estate, assigned, . 

National Bank of Commerce st% Denver, Col 

Bank of Montrose stock, Montrose, Col., . 

Phoenix Insurance Company stock, Hartford, 

Fort Worth, Tex , city bonds, . 

State National Bank, Denver, Col , . 

Mortgages on real estate, assigned, . 

Fort ^Yorth, Tex , city bonds, . 

Mortgage on real estate, assigned, . 

Savannah, Americus & Montgomery R.R b'ds 

New Y r ork Central & Hud. River R.R. bonds, 

Boston & Maine Railroad stock, 



980 00 

440 00 

3,000 00 

3,125 00 

700 00 

59,520 00 

18,744 00 

1,350 00 

5,000 00 

6,000 00 

272 00 

432 00 

5,000 00 

500 00 

250 00 

6,000 00 

25,625 00 

90,000 00 

^9,600 00 

11,026 00 

1,832 14 

300 00 

75,000 00 

50,000 00 

10,000 00 

16,675 00 

1,500 00 

400 00 

1,960 00 

34,650 00 

25,000 00 

85,400 00 

34,650 00 

5,000 00 

75,000 00 

32,375 00 

64,350 00 



aned thereon- 


81,270 00 


500 00 


415 00 


3,000 00 


46,500 00 


1"9,000 00 


5,000 00 


450 00 



3,000 00 

5,000 00 
20,000 00 
60,000 00 

40,000 00 

1,000 00 

250 00 

50,000 00 

47,500 00 

10,000 00 
1,250 00 

800 00 
00 

75,000 00 

25,000 00 
4,000 00 
50,000 00 
25,000 00 
50,000 00 

$793,402 14 §568,935 00 



1890.] 



OF OTHER STATES. 



107 



Schedule B. 

Stocks and Bonds owned by the 



Province of Manitoba, Canada, bonds, 
Clark County, Dak., bonds, 
Traill County, Dak., bonds, 
Riley County, Kan., bonds, 
Escambia County, Fla , bonds, . 
Pendleton County, Ky., bonds, . 
Otter Tail Co., Minn , bonds, . 
Cutler County, Neb., bonds, 
Laramie County, Wy., bonds, . 
Sault St. Marie, Ont., town bonds, 
Parkdale, Ont., town bonds, 
Collingwood, Ont., town bonds, 
Almonte, Ont., town bonds, 
Paris, Ont , town bonds, . 
Windsor, Out., town bonds, 
Coaticook, Que., town bonds, . 
Vernon, Conn., town bonds, 
Frankfort, Dak , township bonds, 
Lakin, Kan., township bonds, . 
Lancaster, Kan., township bonds, 
Walnut, Kan., township bonds, 
Rock Creek, Kan., township bonds, 
Parker, Kan., township bonds, . 
Canton, Kan., township bonds, . 
Elk, Kan., township bonds, 
Crawford, Kan , township bonds, 
Blaine, Kan., township bonds, . 
Oswego, Kan., township bonds, 
Winnipeg, Man., city bonds, 
Winona, Minn., city bonds, 
Colorado City, Col., city bonds, 
Canon City, Col., city bonds, . 
Pueblo, Col., city bonds, . 
Lexington, Ky., city bonds, 
Jacksonville, Fla., city bonds, . 
Helena, Mont , city bonds, 
Council Bluffs, la , city bonds, . 
Sioux City, la., city bonds, 
Falls City, Neb., city bonds, 
Tecumseh, Neb , city bonds, 
Lincoln, Neb , city bonds, . 
Edgar, Neb , city bonds, . 
Clyde City, Kan., city bonds, . 
Arkansas, Kan., city bonds, 
Topeka, Kan., city bonds, . 



Company. 

Cost. 

$79,443 47 

5,952 00 

1,500 00 

48,000 00 

6,360 00 

21,200 00 

45,500 00 

57,085 00 

50,000 00 

50,995 00 

11,705 00 

8,150 00 

14,531 33 

8,567 75 

11.124 84 
25,375 00 

125,000 00 
1,455 00 
7,455 00 
14,850 00 
18,000 00 
25,000 00 
24,500 00 
15,200 00 

13.125 00 
23,875 00 
13,200 00 
10,000 00 
54,470 00 
33,000 00 

5,000 00 
30,070 00 
22,736 25 
30,600 00 

4,000 00 
51,500 00 
26,350 00 
25,650 00 
22,560 00 
20,895 00 
34,000 00 
12,935 00 

4,375 00 
26,250 00 
34,686 84 



Market value. 

$80,942 40 

6,200 00 

1,500 00 
48,000 00 

6,180 00 
21,200 00 
50,000 00 
56,840 00 
50,000 00 
51,000 00 
12,200 00 

8,639 00 
14,900 00 

8,960 00 

11,252 23 

26,500 00 

125,000 00 

1,500 00 

7,700 00 
15,000 00 
18,000 00 
25,000 00 
25,000 00 
16,000 00 
13,125 00 
25,000 00 
13,200 00 
10,000 00 
54,500 00 
33,000 00 

5,000 00 
30,070 00 
22,736 25 
30,600 00 

4,000 00 
51,500 00 
26,260 00 
25,750 00 
22,560 00 
20,895 00 
34,000 00 
12,935 00 

4,375 00 
26,250 00 
44,000 00 



168 



LIFE INSURANCE COMPANH [Dec. 31, 



Ottawa, Kan., city bonds, . 
Kansas City, Kan., city bonds, . 
Sherbrooke, Que., city bonds, . 
Quebec, Que., city bonds, . 
Hull, Que., city bonds, 
St. Hyacinthe, Que., city bonds, 
Montreal, Que., city bonds, 
Montreal, Que., city bonds, 
Montreal, Que , city bonds, 
Montreal, Que , city bonds, 
Montreal, Que., city bonds, 
St Thomas, Ont., city bonds, . 
Guelph, Ont., city bonds, . 
Port Hope, Ont., city bonds, 
Brantford, Ont., city bonds, 
Stratford, Ont., city bonds, 
Vancouver, B. C , city bonds, . 
Victoria, B. C, city bonds, 
600 shares Hartford City Gas Light Co., 
2037 " Hart. L. & T Co , Denver, Col , 
268 " Col. Land & L'n Co., Denver, Col., 
195 " Fruita Impro'm't Co , Denver, Col 
Lake Superior El. Co. bonds, Duluth, Minn., 
Hunt Drainage Dist bonds, Hancock Co., 111., 
Fort Smith and Van Buren Bridge Co. bonds, 
Western Union Telegraph Co. bonds, 
Grape Creek, 111 , Coal Company bonds,. 
New England Terminal Co. bonds, . 
Lake Shore & Michigan Southern R.R bonds, 
Mobile & Birmingham Railroad bonds, . 
Atlantic & Pacific Railroad bonds, . 
Oxford & Clarksville Railroad bonds, 
St. Louis & San Francisco Railroad bonds, 
Duluth & Manitoba Railroad bonds, 
Keokuk & Des Moines Railroad bonds, . 
Prescott & Arizona Railroad bonds, 
Chicago, Milwaukee & St Paul R.R. bonds, 
Canadian Pacific Railroad bonds, 
Stillwater & St. Paul Railroad bonds, 
Toledo, Ann Arbor & Gxl Trunk R.R bonds, 
Toledo, St. Louis & Kansas City R R. bonds, 
Staten Island Rapid Transit Railroad bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
Knoxville & Ohio Railroad bonds, . 
Ohio Valley Railroad bonds, . 
New Haven & Derby Railroad bonds, 
Eureka Springs Railroad bonds, 
Indiana & Lake Michigan Railroad bonds, 



Cost. 

?8,160 00 
30,400 00 
30,750 00 
49,000 00 
10,200 00 
10,150 00 
13,647 83 
13,532 10 
21,010 40 
15,450 00 

4,477 50 
33,765 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 
28,635 01 
203,700 00 
26,800 00 
77 55 
25,000 00 
30,000 00 
50,400 00 
48,375 00 
27,550 00 
75,000 00 

2,110 00 
23,125 00 
43,000 00 

-.750 00 

100,500 00 

50,437 50 

4,950 00 
41,625 00 
65,000 00 
49,000 00 
32,690 00 
25,500 00 
95,750 00 
29,000 00 
47,500 00 
40,850 00 
37,050 00 
80,687 50 
25,000 00 
50,000 00 



Market value. 

$8,160 00 
30,160 00 
32,100 00 
51,000 00 
10,200 00 
10,150 00 
15,730 00 
13,130 00 
23,600 00 
16,500 00 
4,635 00 
34,500 00 
81,760 00 
60,600 00 
53,900 00 
11,182 50 
10,920 00 
13,250 00 
16,800 00 
203,700 00 
26,800 00 
7,995 00 
25,000 00 
30,000 00 
50,400 00 
49,250 00 
27,550 00 
.500 00 
2,320 00 
21,250 00 
35,500 00 
51,000 00 
106,500 00 
51,500 00 
9,000 00 
41,625 00 
61,500 00 
54,000 00 
32,340 00 
24,250 00 
82,500 00 
28,000 00 
47,000 00 
41,600 00 
36,562 50 
80,850 00 
25,C 00 00 
50,000 00 



1890.] OF OTHER STATES. 169 

Cost. Market value. 

Cceur d'Alene Railway & Navigation bonds, . . $51,250 00 $50,500 00 

500 shares Delaware, Lack. & Western R.R , . 33,656 25 33,000 00 

1500 " N. Y. Cent & Hudson River R.R , 160,425 00 151,875 00 

1000 " Missouri Pacific Railroad, . . 103,537 50 60,000 00 

700 " Chic , Rock Island & Pacific R.R , 85,856 25 49,087 50 

500 " Central Pacific Railroad, . . 46,612 50 14,125 00 

3000 " Chicago & Northwestern R.R Co., 236,775 00 209,000 00 

100 " New York & N.England R.R Co., 10,955 00 10,900 00 

100 " Manhattan Railway Company, . 9,600 00 9,600 00 

600 " Nat Ex. Bank, Hartford, Conn , . 43,046 50 38,100 00 

1027 " Hartford N. B% Hartford, Conn., 163,737 25 153,023 00 

155 " First Nat. Bank, Hartford, Conn., . 16,402 88 16,275 00 

170 " Charter Oak Nat. B'k, H'fd, Conn , 21,684 25 17,340 00 

264 " Thames Nat. B% Norwich, Conn., 36,960 00 36,960 00 

300 " First Nat. B'k, Wallingford, Conn., 31,800 00 32,400 00 

137 " First Nat. B'k, Middletown, Conn , 14,659 00 14,65900 

100 " Met. Nat Bank, New York, N. Y , 7,115 63 28000 

200 " Am Ex.NatB'k,NewYork,N.Y, 21,413 00 29,600 00 

240 " Mer.Ex.Nat.B'k,NcwYork,N.Y, 11,912 79 14,640 00 

100 " Nassau Nat. B% New York, N.Y., 7,250 00 8,000 00 

50 " Citizens 1 Bank,Minneapolis, Minn , 5,000 00 5,250 00 

100 " Nat. Ger.-Am.B'k, St Paul, Minn., 12,600 00 13,000 00 

100 " Nat B'k of CWth, Boston, Mass , 11,212 75 18,000 00 

100 " Atlas Nat'l Bank, Boston, Mass , . 11,900 00 12,100 00 

100 " Am Natfl Bank, Kansas City, Mo., 10,000 00 11,600 00 

100 " State Nat'l Bank, St. Joseph, Mo., . 10,600 00 10,800 00 

100 " Union Nat'l Bank, Denver, Col , . 11,000 00 12,000 00 

350 " Conn. T.andS.D. Co, H'tfd, Conn., 29,400 00 50,750 00 

140 " Security Co., Hartford, Conn , . 14,736 25 18,900 00 



§4,294,467 87 $4,176,804 38 



"UNION MUTUAL LIFE INSURANCE COMPANY," PORTLAND, ME. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

John E. DeWitt, President. Arthur L. Bates, Secretary. 

Income. 

New premiums without deductions, f 161,675 06 

Renewal premiums, . . . 625,075 12 



Total $786,750 18 

Deduct amount paid for re-insurance, 4,386 40 



Total premium income, $782,363 78 



170 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit and loss account, 



Total income, . 
Net or ledger assets Dec. 31, 1889, . 



Total, 



6,096 11 
- 79 
16,050 44 
26,151 

$1,001,007 27 
5,953,361 10 

$7,045,328 37 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions,. 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, including reconverted addition 

applied in payment of premiums, .... 

Cash dividends paid policy-holders, $4,219.96; applied in 

payment of premiums, $16,818 95, .... 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 
for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



Invested in the following: — 

Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens) , 



8107,307 25 

26,050 00 

129,433 54 

10 00 

1,000 00 

2,290 79 

2 15 

12,733 30 

20,396 14 

28,793 93 

21,038 91 
4,955 00 

__' 
58,541 68 
95,761 95 
14,130 92 
49,897 47 
15,433 93 
10,203 78 
2^,630 60 
1,735 64 
11,431 S3 
33,142 99 

§1,045,577 01 

£5,999,751 36 



-,996 82 
1,376,754 66 



1890.] 



OF OTHER STATES. 



171 



Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 

deposited in bank, 

in transit (since received), .... 

Bills receivable, 

Agents 1 ledger balances, 

Cash notes taken for premiums, .... 

Ledger assets (as per balance), 



1379,372 84 

403,506 00 

2,725,176 75 

1,307 91 

116,014 12 

1,747 45 

661 50 

1,589 62 

14,623 69 

$5,999,751 36 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$63,907 24 
84,115 62 

$148,022 86 
29,604 57 



66,392 57 

857 78 

20,292 78 



118,418 29 



. $6,205,712 78 



Items not admitted. 



Agents' balances, .... 

Bills receivable, 

Total, 

Total admitted assets, 
Deduct special deposits in other States, . 



$1,589 62 
661 50 



2,251 12 



. $6,203,461 66 
411,692 81 



Balance, $5,791,768 85 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), 
Deduct net value of re-insured risks, 

Net re-insurance reserve, .... 
Premium obligations in excess of net values of their policies, 
Death losses due and unpaid, .... 
Matured endowments due and unpaid, . 
Death losses and matured endowments in proc- 
ess of adjustment, 

Claims resisted b} r the company, 

Total policy claims, 



. 


. 


$5,744,266 00 


• 


; 


7,351 


00 


. , 


$5,736,915 


00 


eir policies, 


89 


00 


$75 


00 






11,637 


47 






81,622 


79 






7,500 


00 










100,835 


26 



172 LIFE INSURANCE COMPANIES [Dec. 31, 

Unpaid dividends of surplus due policy -holders, . . . $3,155 15 

Contingent reserve, l'j-4 00 

Premiums paid in advance, 1,795 76 

Liabilities as to policy-holders, $.", t 17 

Deduct liabilities on special deposits, 411,092 81 

f 5,43 1,291 36 
Surplus as regards special policy-liolders, . .156 80 

Surplus as regards other policy-holders, . . 309,020 69 

Gross surplus, 360,477 49 

Gross liabilities, $5,79: 

Premium Note Account. 

Premium notes on hand Dec. 31,1889, . . $450,259 00 

Premium notes received during 1890, . . 30,721 14 

Total, f480,980 14 

Used in payment of losses and claims, . . .550 00 
Used in payment of surrendered policies and 

voided by lapse, 26,396 14 

Used in payment of dividends to policy-holders, 4,955 00 

Redeemed by maker in cash, .... 6,936 00 

Transferred, 3,637 00 

Total, 77.474 14 

Balance note assets Dec. 31, 1890 $403,506 00 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1SS9. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 4,764 £8,401,079 00 
Endowment, . . . 8,088 14,757,522 00 
All other, .... 2,021 3,830,222 00 
Reversionary additions, . - 215,783 00 

14,873 $27,204,606 00 

Policies issued during the Year. 

Whole life, ... 890 f 2,133,748 00 
Endowment, . . . 1,558 2,987,351 00 

2,448 5,121,099 00 

Old Policies revived. 

Whole life, ... 1 $667 00 

Endowment, ... 22 49,500 00 

All other, .... 1 2,216 00 

24 52,383 00 



1890.] 



OF OTHER STATES. 



173 



Old Policies transferred or increased. 

Number. Amount. Total No. 

4 $22,500 00 

16 8,960 00 

412 877,265 00 

432 

Additions by dividends, 



Whole life, 
Endowment, 
All other, . 



Total Amount. 



Total, 17,777 



,725 00 
180,621 00 

13,467,434 00 



Policies terminated during the Year. 

Whole life, ... 373 $887,735 00 
Endowment, . . . 1,840 3,632,769 00 
All other, . . . . 331 728,176 00 



• 


2,544 


' |5,248,680 00 




How terminated. 


By death, .... 


251 


$569,429 00 


maturity, 


167 


144,779 00 


expiry,. 


287 


536,016 00 


surrender, . 


71 


160,304 00 


lapse, .... 


776 


1,537,663 00 


change and decrease, . 


432 


1,041,989 00 


Not taken, .... 


560 


1,258,500 00 


Policies in force Dec. 31, 189 


Whole life, 


5,286 


$9,670,259 00 


Endowment, 


7,844 


14,170,564 00 


All other, .... 


2,103 


4,165,889 00 


Reversionary additions, . 


- 


212,042 00 



2,544 5,248,680 00 



15,233 $28,218,754 00 



Schedule A. 

Securities held as Collateral. 



Maine Central Railroad bonds, 

24 shares Central Wharf, Portland, Me , . 

Portland Water Company bonds, 

Maine Central Railroad bonds, 

355 shares Portland Water Company, 

Pejepscot Water Co , Brunswick, Me., bonds, 

80 shares Portland Water Company, 

50 " Portland & Rochester Railroad, 

41 " Portland Trust Company, 

5 " First National Bank, Wiscasset, Me , 
70 " Flint & Pere Marquette Railroad, . 



Market value. 

$2,660 00 

21,600 00 

3,000 00 

1,330 00 

40,825 00 

5,000 00 

9,200 00 

6,250 00 

4,920 00 

650 00 

5,600 00 



Amount loaned. 

$2,000 00 
12,000 00 

4,000 00 

24,000 00 
4,500 00 
5,000 00 
5,000 00 
4,100 00 
515 00 
5,000 00 



174 



LIFE INSURANCE COMPANIES [Dec. 31, 



Maine Central Railroad bonds, 
Northern Pacific Railroad bonds, 
City of Portland, Me., bonds, . 
Leeds & Farmington Railroad bonds, 

9 shares Central Wharf, Portland, Me., 
Chicago & West Michigan Railroad bonds, 
New York & New England Railroad bonds, 
Maine Central Railroad bonds, 

Portland Water Company bonds, 
Maine Central Railroad bonds, 

10 shares First National Bank, Iloulton, Me 
188 " Camden & Rockland Water Co., 
3 " American Bell Telephone Co., 

20 " Old Colony Railroad Company, 
Grand Avenue Railroad, Kansas City, bonds, 
100 shares Camden & Rockland Water Co., 
45 shares Auburn Aqueduct Co., Auburn, Me., 
. Portage City Water Co., Portage, Wis., bonds 
City of Rockland, Me., bonds, . 
Rochester Water Co , Rochester, Minn., bonds 
Ft. Smith, Ark., Water Company bonds, . 
Kankakee Water Co., Kankakee, 111., bonds, 
Atlantic & Pacific Railroad bonds, . 
25 shares Portland Water Company, 
95 shares Nat. Shoe & Leath. B'k, Auburn, Me. 
Lime Rock Railroad, Rockland, Me., bonds, 
Chicago & West Michigan Railroad bonds, 

10 shares Portland Railroad Company, . 
Utica Belt Line Street Railway Co. bonds, 
Union Railway Co. of St. Josej)h, Mo , bonds 
Citizens' Gas Light Co., Brooklyn, bonds, 
City Water Company of East St. Louis bonds 
100 shares Schuster Hax Nat. Bank, St. Jo., Mo. 
Maine Central Railroad bonds, 
Washington Water Company, Indiana, bonds 
Owens borough, Ky., Water Co. bonds, 

5 shares Portland Railroad, 
Atchison, Topeka & Santa Fe R.R bonds, 
12 shares Lockwood Co., Waterville, Me., 
70 shares Iloulton, Me., Water Co., . 
Portland, Me., Water Co. bonds, 
5 shares Portland, Me., Railroad, 
Atchison, Topeka & Santa Fe R R. bonds, 
Akron Street Railway Company bonds, . 
Androscoggin County, Me., bonds, . 
Androscoggin & Kennebec R.R. bonds, . 
200 shares Commercial Union Telegraph Co., 
17 shares Portland, Me., Gas Light Co., . 



Market value. 

$2,300 00 
2,305 00 
1,100 00 
1,070 00 
8,100 00 
907 50 
1,230 00 
1,330 00 
4,000 00 
1,150 00 
1,300 00 
23,500 00 
G21 00 
3,320 00 
1,970 00 
12,500 00 
4,500 00 
500 00 
200 00 
500 00 [■ 
500 00 I 
500 00 J 
5,250 00 
2,875 00 
10,830 00 
25,000 00 
1,815 00 
1,200 00 
17,100 00n 
31,000 00 i 
16,150 00 ) 

500 00 
12,500 00 
665 00 
500 00 £ 
500 00 S 
600 00 
7,800 00 ) 
1,200 00 S 
2,187 50 
475 00 
600 00 
390 00 ) 
1,050 00 S 
535 00 ) 
100 00 S 
24,000 00 
1,190 00 



Amount loaned. 

./joo oo 

700 00 
4,200 00 

710 00 

4,950 00 

1,000 00 

500 00 

15,000 00 

5,000 00 

10,000 00 
550 00 



1,700 00 



5,000 00 
2,000 00 
9,000 00 
22,000 00 
1,215 00 
750 00 

52,000 00 

400 00 

10,000 00 

500 00 

900 00 

450 00 
8,737 50 

1,500 00 
400 00 
400 00 

1,004 00 

600 00 

4,000 00 
1,050 00 



1890.] 



OF OTHER STATES. 



175 



St. Louis, Wichita & Western R.R bonds, 
Penobscot Shore Line Railroad bonds, 
Owensborough, Ky , Water Co. bonds, . 
50 shares Rockland, Maine, Trust Co., . 
50 " Central Nat Bank, Springfield, Mo 
50 " Schuster Hax Nat. Bank,St Jo , Mo 
150 " Merchants 1 Nat. Bank, Portland, 
Kansas City, Mo., School District bonds, . 
20 shares Portland, Me., Water Co., 
St Joseph & Grand Island R.R. bonds, . 
Atchison, Topeka & Santa Fe R.R. bonds, 
Consolidated Railroad of Vermont bonds, 
Atlantic & Pacific Railroad bonds, . 
Mo. Valley & Blair R'y & Bridge Co. bonds, 
Atchison, Topeka & Santa Fe R R. bonds, 
15 shares New York & New England Railroad 
10 " Chic, St. Paul, Minn. & Omaha R.R. 
10 " Flint & Pere Marquette Railroad, 
Chicago, St Louis & Pittsburg R.R. bonds, 
Ohio & Mississippi Railroad bonds, 
Mt. Vernon Water Co., Mt Vernon, N. Y , b'ds 
Belfast City, Me , bonds, .... 
Atchison, Topeka & Santa Fe R R bonds, 
Atlantic Mutual Insurance Co. scrip, 



Schedule B. 



Market value. 

$5,150 00 ) 

25,000 00 S 

1,000 00 

5,750 00 ^ 

5,500 00 i 

6,250 00 | 

13,725 00 j 

58,000 00 

2,300 00 

10,780 00 ^ 

5,460 00 ! 

4,250 00 [ 

750 00 j 

1,020 00 

7,800 00 ^ 

1,635 00 

780 00 

800 00 

1,000 00 

2,270 00 

1,000 00 

210 00 

1,930 00 

830 00 J 



Amount loaned. 

§25,000 00 
900 00 

25,000 00 

52,200 00 
2,000 00 

20,000 00 
900 00 



j> 16,041 34 



$503,641 00 $379,372 84 



Slocks and Bonds owned by the 



United States bonds, 

Atchison, Topeka & Santa Fe R R. bonds, 

Chicago & West Michigan R R bonds, . 

Canadian Pacific Railway bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Current River R R. bonds, 

Denver & Rio Grande R.R. bonds, . 

Fremont, Elkhorn & Miss. Valley R.R. bonds 

Flint & Pere Marquette R.R. bonds, 

Grand Ay. Railway, Kansas City, Mo., bonds 

Hannibal & St. Joseph R R bonds, . 

Kansas & Missouri R.R. bonds, 

Kansas City, St. Jo. & Coun. Bluffs R R. bonds 

Kansas City Belt Railway bonds, 

Kansas City Cable Railway bonds, . 

Kansas City, Ft Scott & Memphis R R. bonds 

Lincoln & Northwestern R.R. bonds, 

Lime Rock R.R., Rockland, Me., bonds, . 



Company. 

Tar value. 

$50,000 00 
191,000 00 
125,000 00 
98,000 00 
22,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
10,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 
45,000 00 
25,000 00 



Market value. 

$61,000 00 

148,980 00 

113,437 50 

106,820 00 

24,750 00 

50,000 00 

40,500 00 

29,750 00 

58,500 00 

49,250 00 

57,250 00 

10,000 00 

35,700 00 

57,500 00 

49,250 00 

55,500 00 

56,250 00 

25,000 00 



176 



LIFE INSURANCE COMPANIES [Dec. 31, 



Marquette, Houghton & Out. R.R. bonds, 

Milwaukee & St. Paul R.R. bonds, . 

Maine Central R R. bonds, 

New York & New England R.R. bonds, . 

Ohio & Mississippi R.R. bonds, 

Oregon Railway & Navigation Co. bonds, 

Oxford & Clarksville R R. bonds, . 

People's S. R.R Co. of L. Co., Penn., bonds, 

P. St. R. & E. L & P. Co , St. Jo., Mo , bonds, 

Philadelphia & Reading R R bonds, 

142 shares Portland, Saco & Portsmouth R.R , 

Rome, Watertown & Ogdensburg R.R. bonds, 

Scioto Valley & New England R.R. bonds, 

Staten Island Rapid Transit R.R. bonds, . 

Union Pacific, Lincoln & Colorado R.R bonds 

Utah & Northern Railway Company bonds, 

Wisconsin Valley R R. bonds, 

Americus, Georgia, bonds, 

Berlin, N. H., bonds, . 

Bond County, 111., bonds, . 

Caribou, Me., bonds, . 

Damariscotta, Me., bonds, 

Delaware City, O., bonds, . 

Elk County, Kansas, bonds, 

Jefferson County, Ala , bonds, 

Jefferson County, Ala , bonds, 

Louisville, Ky., bonds, 

Minneapolis, Minn., bonds, 

Montreal Harbor bonds, . 

Omaha City, Neb., bonds, 

Pueblo City, Col., bonds, . 

Richmond, Va., bonds, 

Wells County, Ind , bonds, 

City^ Water Co., Chattanooga, Tenn , bonds, 

Chicago Gas Light & Coke Company bonds, 

Caribou, Me., school bonds, 

Crystal Water Co , Edgewater, N Y., bonds, 

Fort Payne, Ala , Water Company bonds, 

Goldsborough, N. C, Water Company bonds, 

LeMars, la., Water & Light Company bonds, 

Leadville, Col., Water Company bonds, . 

Manitowoc, Wis., water bonds, 

Metropolitan Telephone and Tel. Co. bonds, 

Pueblo, Col , water bonds, 

Rockport, Ind , Water Works Company bonds 

St. Joseph, Mo., Water Company bonds, . 

Wakefield, Mass., Water Company bonds, 

Biddeford National B'k, Biddeford, Me., stock, 



Par value. 

$16,000 00 
85,000 00 

100,000 00 
50,000 00 
46,000 00 
50,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
14,200 00 
31,000 00 
50,000 00 
10,000 00 
24,000 00 
25,000 00 
4,000 00 
10,000 00 
7,000 00 
5,000 00 
6,000 00 
2,000 00 
5,000 00 
15,000 00 
40,000 00 
25,000 00 
25,000 00 
10,000 00 
30,000 00 
25,000 00 
15,000 00 
10,000 00 
13,000 00 
30,000 00 
25,000 00 
10,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
10,000 00 
25,000 00 
25,000 00 
2,000 00 



Market value. 

$16,160 00 
43,400 00 
107,000 00 
56,500 00 
52,670 00 
47,250 00 
25,000 00 
26,812 50 
10,500 00 
20,000 00 
18,105 00 
32,625 00 
35,000 00 
11,200 00 
20,640 00 
23,750 00 
4,800 00 
12,385 00 
6,878 20 
5,322 50 
6,000 00 
2,080 00 
5,637 00 
15,262 50 
43,200 00 
31,000 00 
24,375 00 
10,711 00 
30,432 50 
26,745 00 
17,002 50 
13,700 00 
13,759 20 
30,000 00 
21,625 00 
10,222 00 
25,000 00- 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
52,250 00 
28,710 00 
10,000 00 
25,000 00 
25,000 00 
2,800 00 



1890.] 



OF OTHER STATES. 



177 



Canal National Bank, Portland, Me , stock, 
Casco National Bank, Portland, Me., stock, 
Cumberland Nat'l Bank, Portland, Me., stock 
Commercial Nafl Bank, Omaha, Neb., stock, 
Farm, and Mer. Nat'l B'k, Waco, Tex., stock, 
First National Bank, Auburn, Me., stock, 
First National Bank, Wiscasset, Me., stock, 
First National Bank, Lewiston, Me., stock, 
First National Bank, Bangor, Me., stock, 
First National Bank, Biddeford, Me., stock, 
First National Bank, Portland, Me., stock, 
Flour City Nat'l B'k, Minneapolis, Minn., stock 
Importers' & Traders 1 N'l B'k, N.Y. city, stock 
Internat'l L. & T. Co., Kansas City, Mo., stock 
Knickerbocker Trust Co., N. Y. city, stock, 
Lime Rock Nat'l Bank, Rockland, Me., stock, 
Manufacturers' Nat'l B'k, Lewiston, Me., stock 
Merchants' National Bank, Portland, Me., stock 
National Bank, Kansas Cit}', Mo., stock, . 
Nat'l Bank of Commerce, Omaha, Xeb., stock 
National Traders' Bank, Portland, Me., stock, 
North National Bank, Rockland, Me., stock, 
Northern National Bank, Hallowell, Me., stock 
Norway National Bank, Norway, Me., stock, 
People's National Bank, Waterville, Me., stock 
Portland National Bank, Portland, Me., stock 
Richmond Nat'l Bank, Richmond, Me., stock, 
Rockland Nat'l Bank, Rockland, Me., stock, 
Schuster Hax Nat'l Bank, St. Jo., Mo., stock, 
Sioux Falls Nat'l B'k, Sioux Falls, Dak., stock 
Ticonic National Bank, Waterville, Me., stock 
Westbrook Trust Co., Westbrook, Me., stock, 
Province of Ontario annuities, . 



Par value. 

20,000 00 

20,000 00 
4,880 00 
5,000 00 
2,000 00 
2,000 00 
1,000 00 

10,000 00 
1,200 00 
3,800 00 
6,200 00 
5,000 00 
5,000 00 

20,000 00 
4,800 00 
4,200 00 
5,000 00 
2,700 00 
5,000 00 
5,000 00 
6,300 00 

10,000 00 

10,000 00 
1,000 00 
3,000 00 

20,000 00 
700 00 
5,000 00 
5,000 00 
2,000 00 
3,500 00 
5,000 00 



Market value. 

$27,800 00 

25,000 00 

5,6 12 00 

6,250 00 
2,080 00 
2,900 00 
1,300 00 
16,500 00 
1,560 00 
6,460 00 
6,262 00 
5,750 00 
28,750 00 
21,000 00 
8,400 00 
4,500 00 
6,500 00 
4,392 00 
8,000 0O 

5.000 00' 

8.001 00- 
15,000 00 
13,800 00 

1,200 00 

3,750 00 

21,000 00 

840 00 

8,250 00 

6,250 00 

2,100 00- 

4,375 00 

5,200 00 

260,740 13 



$2,360,980 00 $2,745,469 53 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 
Paid-up Capital, $440,000. 

George H. Burfokd, President. C. P. Fraleigh, Secretary. 

Income. 

New premiums without deductions, $237,402 25 

Renewal premiums, 774,180 77 

Cash received for annuities, 4,700 00 



Total, $1,016,283 02 



178 



LIFE INSURANCE COMPANIES [Dec. 31, 



Deduct amount paid for re-insurance, 

Total premium income, .... 
Cash received for interest, .... 
Cash received for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1889, 



Total, 



Disbursements. 
Cash paid for losses and additions, .• 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

for profit and loss account, 

Total disbursements, 

Balance, ........ 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 



Ledger assets (as per balance), 



$7,122 43 

$1,009,100 59 

288,313 41 

1,073 00 

$1,298,-047 00 
5,901,622 07 

17,200,169 07 



$545,702 49 
35,200 35 

$580,91 - 

10,000 00 

:o,9G2 84 

1,670 51 

85,218 92 

$657,852 -r, 
.30,800 00 
159,422 90 
65,844 21 
23,764 34 
48,442 40 
19,079 33 
23,221 71 
19,786 29 
34,563 23 
10,660 77 

$1,093,437 45 



$6,106,731 62 



$96,213 69 

3,738,468 84 

159,273 38 

181,777 22 

1,826,540 84 

653 91 

69,423 45 

12,930 28 

21,450 01 

f6,106,731 62 



1890.] OF OTHER STATES. 179 

Other Assets. 



Interest due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 



§73,453 04 
60,090 31 
60,640 05 



$130,577 22 

123,391 42 

$253,968 64 

50,793 73 



203,174 91 



Total assets per company's books, $6,504,089 93 



Items not admitted. 

Agents 1 balances, $21,450 01 

Bills receivable, 12,930 28 

Total, 34,380 29 



Total admitted assets, $6,469,709 64 

Deduct special deposits in other States, 121,000 00 



Balance, $6,348,709 64 



Liabilities 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$5,869,072 00 
Deduct net value of re-insured risks, 42,780 00 



Net re-insurance reserve, $5,826,292 00 

Death losses, and matured endowments in proc- 
ess of adjustment, $8,670 00 

Claims resisted by the company, . . . 13,500 00 

Total policy claims, 22,170 00 

Premiums paid in advance, 2,627 64 

Liability on lapsed policies, . . 2,067 00 

All other liability, 7,791 74 



Liabilities as to policy-holders, $5,860,948 38 

Deduct'liabilities on special deposits, 92,276 45 



$5,768,671 93 
Surplus as regards policy-holders, . . . $580,037 71 

Paid-up capital, 440,000 00 

Surplus over capital, 140,037 7 1 



Gross liabilities, $6,348,709 64 



180 LIFE INSURANCE COMPANIES [Dec. 31, 

Premium Note Account. 

Premium notes on hand Dec. 31, 1889, . . ? 172,770 16 

Premium notes received during 1890, . . 72,173 74 

Total, $244,943 90 

Used in payment of losses and claims, . . $27,033 54 
Used in payment of surrendered policies and 

voided by lapse, 12,042 32 

I in payment of dividends to policy- 
holders, 30 52 

Redeemed by maker in cash, .... 24,000 30 

Total, ........ 63,166 68 

Balance note assets Dec. 31, 1890, f 181,777 22 

Exhibit of Polio 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 10,176 $20,021,212 00 
Endowment, . . . 1,738 2,917,157 00 

All other 1,956 6,531,221 00 

Reversionary additions, . - 961,682 00 

13,870 130,431,272 00 

Policies issued during the Tear. 

Whole life, . . . 1,250 §2,418,520 00 
Endowment, . . . 175 393,575 00 

All other, .... 2,453 9,143,062 00 



3,878 11,955,157 00 



Old Policies reviv> 

Whole life, ... 23 5*500 00 

Endowment, ... 3 '0 00 

All other, .... 115 299,000 00 



141 348,500 00 



Old Policies changed or increased. 

Whole life, ... 24 $53,260 00 

Endowment, . . . ' 10 15,500 00 

All other, .... 25 57,500 00 



59 126,260 00 



Total, 17,948 $42,861,189 00 

Policies terminated during the Year. 
Whole life, . . . 1,243 £2.585,854 00 
Endowment, . . . 252 412,490 00 

All other, .... 960 3,540,682 00 

2,455 §6,539,026 00 



1890.] 



OF OTHER STATES. 



181 





How terminate^,. 






Xumber. 


Amount. Total No. 


Total Amount. 


By death, . 


269 


$536,017 00 




maturity, 


34 


35,260 00 




expiry, . 


25 


55,500 00 




surrender, . 


74 


120,114 00 




lapse, . 


. 1,401 


3,849,135 00 




change and decrea 


se, . 59 


300,500 00 




Not taken, . 


593 


1,642,500 00 








2,455 


$6,539,026 00 



Policies in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



10,230 $19,952,638 00 

1,674 2,917,742 00 

3,589 12,525,083 00 

926,700 00 



15,493 $36,322,163 00 



Schedule A. 

Securities held as Collateral. 



Missouri Pacific Railway bonds, 

Northern Gas Light Company bonds, 

100 shares Missouri Pacific Railway Co,, 

75 shares Western Union Telegraph Co., 

Missouri Pacific Railway bonds, 

163 shares American Tel. and Cable Co., 

66 shares New York, Lack. & Western R'y, 

Missouri Pacific Railway bonds, 

40 shares American Telegraph and Cable Co. 

25 " American Telegraph and Cable Co. 

15 " United States Trust Company, . 

16 " United N. J. R.R. and Canal Co., 
Cit\ T of Philadelphia bonds, 

Lake Shore & M. S. Railway bonds, 
Louisville & Nashville Railroad bonds, . 
Richmond & Danville Railroad bonds, 
Chic, Milwaukee & St. Paul Railway bonds, 
Western Union Telegraph Company bonds, 
10 shares Importers' and Traders' Nat. Bank, 
10 shares Metropolitan Trust Company, . 



Schedule B. 



Market value. 

$9,750 00^ 
8,950 00 
6,000 00 
5,812 50 \ 
1,140 00 
13,040 00 
7,260 00 J 
2,280 00 ) 
3,200 00 S 
2,000 00 
12,082 50 
3,680 00 
1,280 00 
92,250 00 
11,600 00 ^ 
11,500 00 I 
5,700 00 \ 
1,980 00 J 
5,780 00 
2,750 00 



Amount loaned. 



$38,200 00 



2,223 38 

1,200 00 

9,150 00 

1,500 00 

600 00 

75,000 00 



25,000 00 

4,400 00 
2,000 00 



$208,035 00 $159,273 38 



Stocks and Bonds owned by the Company. 

Cost. Market value. 

United States bonds, $60,602 55 $60,750 00 

District of Columbia bonds, .... 131,38440 142,17600 



182 



LIFE INSURANCE COMPANIES [Dec. 31, 



Jersey City bonds, ...".. 

Newark city bonds, 

New York, Lackawanna & Western R.R. bonds 
Oswego & Syracuse Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Missouri Pacific Railroad bonds, 
Iowa Central Railroad bonds, . 
St Louis, Iron Mountain & Southern R.R. bonds 
St. Louis & Iron Mountain Railroad bonds. 
Chicago, Burlington & Quincy R.R. bonds, 
New York Central Railroad bonds, . 
Louisville & Nashville Railroad bonds, . 
Kansas Pacific Railroad bonds, 
Chicago, St. Paul, Minn. & Ohio R.R. bonds, 
Burl., Cedar Rapids & Northern R.R. bonds, 
Chicago, R. I. & Pacific Railroad bonds, . 
Metropolitan Elevated Railroad bonds, . 
West Shore Railroad bonds, 
East Tenn., Virginia & Georgia Railroad bonds 
200 shares Iowa Central Railroad, . 
Atchison, TojDeka & Santa Fe Railroad bonds 
Missouri, Kansas & Texas Railroad bonds, 
68 shares Missouri, Kansas & Texas Railroad, 



Cost. 

$221,782 50 

116,000 00 
47,801 98 
30,600 00 
99,099 32 
97,473 46 

212,490 75 
71,550 00 
35,732 88 
53,456 64 
46,195 21 

124,167 50 
42,090 00 
74,917 61 
27,750 00 
42,000 00 

104,750 00 
14,933 31 

101,817 46 

24,518 41 

4,100 00 

21,154 86 

18,500 00 

1,666 00 



Market value. 

§218,330 00 

127,750 00 

51,320 16 

31,850 10 

104.750 00 

107,250 00 

217,831 00 

70,721 70 

45,125 00 

2,917 00 

49,08:; 

126,537 40 

52,210 00 

5 00 

28,750 00 

41,875 00 

95,500 00 

15,557 50 

100,000 00 

25,041 

3,900 00 

19,500 00 

16,531 72 

1,292 00 



$1,826,540 84 f 1,887,180 89 



"WASHINGTON LIFE INSURANCE COMPANY,- NEW YORK, N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, 1S60.] 
Paid-up Capital, $125,000. 

W. A. Brewek, Jr., President. Wm Haxtun, Vice-Pres. and Sec'y. 

Income. 
New premiums without deductions, 



Renewal premiums, . 
Cash received for annuities, 



Total, 

Cash received for interest, .... 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, 

Total income, . . . 
Net or ledger assets Dec. 31, 1889, . 

Total, 



§561,035 02 
1,518,772 67 
3,000 00 

12,082,807 69 

451,124 21 

3,960 51 

13,507 05 

4,044 59 

$2,555,444 05 

9,607,204 14 

812,162,648 19 



1890.] 



OF OTHER STATES. 



183 



Disbursements. 
Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, .... 
Cash paid for surrendered policies, . 

Return premiums, 

Cash dividends paid policy-holders applied in payment of 
premiums, 



Total paid policy-holders, . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses 
for medical examiner's fees, . 
for salaries of officers and office em 
for taxes and fees, . 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, .... 



Total disbursements, 
Balance, 



of agents, 
ployees, . 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances, 

Ledger assets (as per balance) , 



Other Assets, 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$618,216 86 
214,150 86 



$832,397 72 

9,408 21 

287,633 40 

3,027 60 

156,629 00 

1,289,095 93 
9,072 00 
213,985 08 
69,830 60 
24,194 00 
82,003 87 
23,466 72 
10,500 00 
66,626 34 
14,858 75 
64,377 84 

1,868,011 13 

$10,294,637 06 



8515,175 26 

8,978,992 92 

7,500 00 

277,529 58 

341,711 13 

22,793 92 

102,499 27 

48,434 98 

$10,294,637 06 



113,111 22 
83,901 37 



$137,811 01 
235,544 69 

$373,355 70 
74,671 14 



298,684 56 



,790,331 21 



184 



LIFE INSURANCE COMPANIES [Dec. 31, 

Items not admitted. 



Agents 1 balances, 



$48,4:; 1 98 



Total admitted assets, 
Deduct special deposits in other States, . 



§10,741,899 23 
10,300 00 



Balance, 



$10,731,599 23 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 

Death losses due and unpaid, .... $2,034 11 

Matured endowments due and unpaid, . . 4,670 91 

Death losses and matured endowments in 
process of adjustment, 18,533 00 

Claims resisted by the company, . . . 10,012 20 

Total policy claims, .... 

Due for salaries, rent and office expenses, 

Premiums paid in advance, 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, . . 

Surplus over capital, 



$10,318,873 00 



$379,955 15 



Gross liabilities, 



35,250 22 
,:] 31 
-7 55 

$10,361,944 08 
10,300 00 

$10,351,644 08 

125,000 00 
251,955 15 

$10,731,599 23 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. - Amount. Total No. Total Amount 

Whole life, . . . 10,750 $23,518,583 00 

Endowment, . . . 10,278 21,827,417 00 

Reversionary additions, . - 1,044,324 00 

21,028 $46,390,324 00 



Whole life, 
Endowment, 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 2,647 $6,079,005 00 
. 1,851 3,364,636 00 



4,498 9,443,641 00 



Old Policies revived. 

161 $430,487 00 

200 511,326 00 

15,452 00 



361 



Additions by dividends, 



Total, 25,887 



957,265 00 
237,567 00 

-,797 00 



1890.] 



OF OTHER STATES. 



185 



Policies 


terminated during the Year. 






Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


1,779 


11,121,779 00 




Endowment, 


2,024 


4,239,097 00 




All other, .... 


- 


270,595 00 






3,803 


$8,631,471 00 






How terminated. 




By death, .... 


277 


$636,284 00 




maturity, 


116 


157,639 00 




surrender, 


549 


1,582,078 00 




lapse, . ... 


1,872 


4,007,842 00 




change and decrease, . 


22 


56,803 00 




Not taken, .... 


967 


2,190,825 00 








3 <30^ 


8,631,471 00 








Policies in force Dec. 31, 1890. 




Whole life, 


11,779 


$25,906,296 00 




Endowment, 


10,305 


21,464,282- 00 




Reversion ary additions, 


- 


1,026,748 00 






. 


22,084 


$48,397,326 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Delaware & Hudson Canal bonds, . . . $6,300 00 

100 shares Delaware, Lack. & Western R.R., . 6,920 00 



Amount loaned. 

$7,500 00 



$13,220 00 $7,500 00 



Schedule B. 

Bonds owned by the Company. 



New York city bonds, 
Brooklyn city bonds, 
Richmond city bonds, 



Cost. 

$225,312 50 

106,098 63 

10,300 00 



Market value. 

271,312 50 

144,000 00 

10,300 00 



$341,711 13 $425,612 50 



ACCIDENT AND GUARANTEE 
COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1890. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 30, 1887. Commenced business Oct. 1, 1887.] 

William C. Lovering, President. Sydney A. Williams, Secretary. 

Office, 30 Kilby Street. 



Detailed Statement of Stocks and Bonds. 

Par value. 

Old Colony Railroad bonds $5,000 00 

Boston & Lowell Railroad bonds, . . . 5,000 00 

Burlington & Missouri River Railroad bonds, . 5,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 10,000 00 

Boston & Albany Railroad bonds, . . . 2,000 00 

Corporation notes, 75,000 00 



Market value. 

$5,200 00 

5,000 00 

4,475 00 

14,647 00 

2,040 00 

75,000 00 



$108,000 00 $106,362 00 



Summary of Assets Dec. 31, 1890. 

Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . ... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Office furniture and fixtures, . . $600 00 
Gross assets, 



. "$106,362 00 




1 68 




8,807 01 




2,742 43 




1,292 58 




50 00 




j 


$119,255 70 



Liabilities. 

Losses claimed and reported, . . • . 

Unearned premiums on outstanding risks, 

Rents due and accrued, .... 

Gross liabilities, 



Net cash assets, 



$ 10,000 00 

62,106 66 

225 00 



Income. 

Cash premiums received during the year, 
Deduct return jDremiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, .... 



72,331 66 
$46,924 04 



$127,396 32 

1,035 22 

$126,361 10 

4,993 28 

150 00 



Gross cash income, $131,504 38 



190 



ACCIDENT AND GUARANTEE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rent- 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 

Gross cash expenditures, . . • . 



$53,252 98 

10.745 74 

i.-j; 

-, 00 
64,912 

50 04 

26 90 

|126,433 58 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $20,233,184 00 
Risks written during 1890, . 49,187,000 00 



Mtingent 
Cash premiums. prem 

$119,554 91 $597,771 
125,710 57 628,552 85* 



Total, 869,420,184 00 

Risks terminated during 1890, . 20,947,184 00 



£245,265 48 $1,226,327 40 
120,757 603,785 45 



In force at end of year, 



. £48,473,000 00 



8124,508 39 11 95 

'.,253 00 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 25 per cent. 
Average rate to date, 53 per cent. 



Massachusetts Business 
Risks written in 1890, 
Premiums received, cash, 
Contingent premiums, 
Losses paid, 
Losses incurred, 



$36,635,000 00 

93,078 00 

405,392 00 

46.299 00 

54.300 00 



" AMERICAN SURETY COMPANY OF NEW YORK." 
NEW YORK, N. Y. 

[Incorporated April 14, 1884. Commenced business April 15, 18S4.] 
Paid-up Capital, $1,000,000. 



William L. Trenholm, President. 



Fked. F. Nugent, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par value. 

£230,000 00 



United States bonds, 

New York city bonds, .... 
Western Union Telegraph Company stock, 
Consolidated Gas Company stock, . 
State Trust Company, New York, stock,. 
Lake Shore & Michigan Southern RR. stock, 
Missouri, Kansas & Texas Railroad bonds, 
Delaware, Lackawanna & Western R R stock, 



100,000 00 

260,000 00 

10,000 00 

237,600 00 

150,000 00 

50,000 00 

20,000 00 



Market value. 
,300 00 

101,500 00 

197,600 00 

9,500 00 

392,040 00 

159,000 00 

37,250 00 

20,350 00 



§1,057,600 00 $1,199,540 00 



1890.] 



INSURANCE COMPANIES. 



191 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $200,000 00 

Stocks and bonds, as per schedule, . . . 1,199,540 00 

Cash in the office of the company, . . . 1,659 29 

Cash deposited in bank, 10,140 51 

Interest due and accrued, 12,686 76 

Premiums in course of collection ( gross), . 36,976 63 

llents due and accrued, 1,342 50 

Prem's more than three months due, $9,382 50 

Gross assets, 

Deduct special deposits in Canada, 



$1,462,345 69 
60,750 00 



Balance, $1,401,595 69 



Liabilities. 

Claims in process of adjustment, 

Claims disputed or resisted, 

Unearned premiums on outstanding risks, 

State and local taxes, 

Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposit, . 



Surplus as regards policy-holders, 
Paid-up capital, .... 



$44,332 86 
27,364 74 

220,572 52 
6,484 32 
1,280 25 

$300,034 69 
1,006 37 



Surplus over capital, . 



299,028 32 

51,102,567 37 
1,000,000 00 

$102,567 37 



Income. 

Premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash premiums received, . 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$47,802 55 
486,032 93 

$533,835 48 
46,359 13 

$487,476 35 
66,012 22 



sources, 



$421,464 13 

43,483 06 

5,136 62 

f 470,083 81 



192 



ACCIDENT AND GUARANTEE [Dec. 31, 



Expenditures. 

Cash paid for claims, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries d"f officers and employees, 

for State aud local taxes, 

for incidentals, 



$101,812 73 
22,599 38 



Gross cash expenditures, 



879,213 35 
90,000* 00 
30,063 42 

103,422 17 
10,067 95 
58,121 28 

$370,888 17 



Surety risks outstanding Dec. 31, 1889, 
Surety risks written during 1890, 



Risks and Premiums. 

Premiums. 

. $60,969,672 00 $390,984 22 
. 87,317,002 00 486,032 93 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$148,286,674 00 $877,017 15 
. 74,403,315 00 435,872 12 



.$73,883,359 00 §441,1 1 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), . 
Company's stock owned by directors, .... 

Massachusetts Business. 

Surety risks written in 1890, 

Premiums received, 



$1,762,459 00 
427,773 00 
115,141 00 
240,000 00 
90,000 
422,150 00 



$2,286,750 00 
13,713 53 



CONVEYANCERS 1 TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 31, 1889. Commenced business-March 18, 18S9.] 
Paid-up Capital, $200,000. 

Frederick C. Bctvvditch, President. James R. Carret, Secretary. 

Henry H. Edes, Manager. 

Office, 28 Stale Street. 



Detailed Statement of Stocks. 

Par value. 

100 shares Boston National Bank, . . . $10,000 00 

100 " Third National Bank, . . . 10,000 00 

83 " National Bank of Commerce, . . 8,300 00 

50 " State National Bank, . . . 5,000 00 



Market value. 

$11,975 00 

11,975 00 

11,412 50 

6,300 00 



$33,300 00 $41,662 50 



1890.] 



INSURANCE COMPANIES. 



193 



Summary of Assets Dec 
Loans on mortgage of real estate (first liens), 
Stocks, as per schedule, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Notes receivable, 

Gross assets, 



Liabilities. 



Profit and loss account, 
Reserve premiums, . 
Gross liabilities, 



31, 1890. 

$127,450 00 

41,662 50 

428 41 

44,838 66 

1,800 00 



$14,747 82 
51 25 



Income. 
Net cash premiums received, .... 
Received from forfeits, 

from question fees, .... 

from commissions, .... 

Taxes refunded, x 

Interest and dividends received from all sources, 
Miscellaneous, 



Gross cash income, 



Expenditures. 

Cash dividends paid, 

Cash paid for experts' fees, .... 

for salaries of officers and employees, 

for taxes, 

for incidentals, 



Gross cash expenditures, . 



$216,179 57 



$14,799 07 

$8,146 50 

734 64 

125 00 

1,213 00 

436 30 

9,264 82 

20 00 

$19,940 26 

$4,000 00 

245 50 

3,461 00 

436 30 

4,071 86 

$12,214 66 



UNITED STATES BRANCH OF "THE EMPLOYERS 1 LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $400,000. 

Endicott & Macomber, Attorneys. 

Office, 71 Kilby Street, Boston. 



Detailed Statement of Bonds. 



United States bonds, 

Maine Central Railroad bonds, 

Boston, Clint., Fitch. & N. Bedford R.R. bonds 

Fall River Railroad bonds, 

Old Colony Railroad bonds, 

Dexter & Piscataquis Railroad bonds, 

Fitchburg Railroad bonds, 

Lynn city bonds, . . 

Boston city bonds, 



l'ar value. 

$200,000 00 

7,000 00 

1,000 00 

7,000 00 

20,000 00 

50,000 00 

26,000 00 

50,000 00 

138,000 00 



Market value. 

$242,000 00 

8,110 00 

1,167 50 

7,315 00 

21,905 00 

50,500 00 

27,805 00 

53,500 00 

138,000 00 



194 



ACCIDENT AND GUARANTEE [Dec. 31, 



Aroostook County bonds, 

New York Central & Hudson Riv. R.R bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Boston & Lowell Railroad bonds, 
Leeds & Fannin gton Railroad bonds, 
New York & New England Railroad bonds, 
Andover town bonds, .... 

Canton town bonds, 

Attleboro\ N. Attleboro 1 & Wren. R.R bonds 
Burlington, Vt , city bonds, 
Toledo, O , city bonds, .... 
Los Angeles city bonds, .... 
Danville, 111., town bonds, 



Tar value. 

$5,000 00 

20,000 00 

29,000 00 

26,000 00 

17,000 00 

18,000 00 

5,000 00 

60,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 



Market value. 

25 00 

2.3,600 00 
20,240 00 
27,560 00 

17,0 

19,900 00 
50 00 

64,200 00 
o,350 00 
5,100 00 
5,012 50 
5,550 00 
5,237 50 
5,2G2 50 



$709,000 00 |767 fit 



Summary of Assets Dec. 31, 1890. 

$767,655 00 

81 68 

131,516 93 

7,390 40 

161,260 29 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 



Prom's more than three months due, § 20,194 11 
Gross assets, 



Unadmitted. 



Cash not in control of trustees, 
Balance, . 



$1,067,904 30 



1,598 61 
. $1,066,305 69 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except deposit capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



? 154,825 00 

415,148 04 

28,041 00 



598,014 04 

$468,291 65 
400,000 00 



Surplus over capital, $68,291 65 



Income. 

Net cash premiums received, .... 
Interest and dividends received from all sources, 
Income from Accident Ticket Box Co., . 



$851,681 35 

34,397 26 

2,469 92 



Gross cash income, $888,54 v 



1890.] 



INSURANCE COMPANIES. 



195 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec. 31, 1889, 
Risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



8117,350,015 00 
. 100,628,187 00 



|378,997 67 

201,321 12 
66,641 45 

17,524 09 
74,052 30 

8738,536 63 



rremiums. 

8675,137 01 
1,371,440 42 



8277,978,202 00 82,046,577 43 
.145,089,291 00 1,216,281 35 



8132,888,911 00 §830,296 08 



Miscellaneous. 

Premiums received in United States since admission, 
Losses paid in United States since admission, . 
Losses incurred during the year, .... 

Massachusetts Business. 



81,983,437 00 
734,604 00 
533,823 00 



Risks written during the year, . 
Premiums received, . 
Losses paid, .... 
Losses incurred, 



Accident. Liability. 

. 83,420,206 00 §63,344,692 00 

42,654 00 247,328 00 

10,069 00 96,400 00 

10,599 00 153,835 00 



"THE FIDELITY AND CASUALTY COMPANY OF NEW YORK;' 

NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 
Paid up Capital, $250,000. 



Wm, M. Richards, President. 



Robert J. Hillas, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par value. Market value . 

United States bonds, $150,000 00 $179,500 00 

250 shares N. Y., Lackawanna & West. R.R., . 25,000 00 27,500 00 

Pittsburg, Cleveland & Toledo R R bonds, . 25,000 00 26,750 00 

West Shore Railway bonds, .... 25,000 00 25,375 00 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 27,250 00 

Lake Erie & Western Railroad bonds, . . 25,000 00 27,000 00 

Chicago, R. I. & Pacific Railroad bonds, . . 50,000 00 49,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 27,250 00 

Cincinnati, Ind., St. Louis & Chic. R R. bonds, 25,000 00 24,250 00 

Chesapeake & Ohio Railroad bonds, . . 10,000 00 11,250 00 

New York city bonds, 100,000 00 99,000 00 



196 



ACCIDENT AND GUARANTEE [Dec. 31, 



Kings County Elevated Railroad bonds, . 
City of Richmond, Va., bonds, . 
Wabash Railway bonds, .... 
200 shares Morris & Essex Railroad, 

Indiana State bonds, 

200 shares Pennsylvania Railroad, . 
Central Ohio Railroad bonds, . 
"Western Union Telegraph Company bonds, 
100 shares N. Y. C. & H R. Railroad, . 
Denver & Rio Grande Railroad bonds, 



Securities held as collateral for cash loans 

Utah Southern Railroad bonds, 
Kansas City & Omaha Railroad bonds, . 
Colorado Central Railroad bonds, . 
Oregon S. L. U. N. Railroad bonds, 
Union Pacific Railroad bonds, . 
Evansville & Terre Haute Railroad bonds, 
Utah Southern Railroad bonds, 
Grand Rapids & Indiana Railroad bonds, 
St. Louis, Jacksonville & Chicago R.R. bonds 
Cincinnati & Springfield Railroad bonds, 
N. Y., L. E. & Western Railroad bonds, . 
Denver & Rio Grande Railroad bonds, . 
Wabash Railway bonds, . . . 
Western Union Railroad bonds, 
Richmond & West Pt. Terminal R.R. bonds, 
100 shares Western Union, 
100 " Canada Southern Railroad, 
300 " Western Union Telegraph Co., 
Ft. Worth & Denver City Railroad bonds, 
Union Pacific Railroad bonds, . 
Metropolitan Elevated Railroad bonds, . 
St. Joseph & Grand Island Railroad bonds, 
200 shares Chicago, R. I. & Pacific Railroad, 
100 shares Canada Southern Railroad, 
West Shore Railroad bonds, 
N. J. Southern Railway bonds, 
Wabash Railway Company bonds, . 
Michigan Central Railway bonds, . 
Rio Grande Western Railwa}' bonds, 
Missouri, Kansas & Texas Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
150 shares Western Union Telegraph Co., 
North. Pacific Railroad bonds, . 
Richmond & W. Pt. Term. Railwav bonds, 



Tar value. 

U0,000 00 
10,000 00 
25,000 00 
20,000 00 
50,000 00 
10,000 00 
25,000 00 
25,000 00 
10,000 00 
4,000 00 



Market value. 

,000 00 

10,000 <"J 

24,500 00 

20,400 00 

50,000 00 

0,825 00 

25,000 00 

25,000 00 

10,150 00 

3,240 00 



$674,000 00 $712,240 00 



Market value. 

§20,800 00^1 
11,850 00 j 
8,800 00 } 
15,900 00 ! 
4,620 00 J 
5,700 00 ^ 
17,680 00 
29,970 00 
2,200 00 
4,520 00 
9,675 00 
5,775 00 
4,900 00 
3,960 00 
3,412 50 
7,600 00 I 
4,850 00 J 
22,800 00^ 

1,980 00 
12,960 00 
5,712 50 \ 
1,940 00 
14,100 00 
4,850 00 J 
10,225 00 1 
3,180 00 
5,880 00 
3,600 00 
3,825 00 
7,450 00 
4,850 00 
11,400 00 
8,175 00 
6,825 00 J 



Loaned thereon. 



$50,000 00 



50,000 00 



)> 25,000 00 



50,000 00 



)> 50,000 00 



1890.] 



INSURANCE COMPANIES. 



197 



42 shares Home Insurance Company, . 
200 " New York, Ontario & West. R.R., 
100 " Western Union Telegraph Co., 
100 " Texas Pacific Railroad, . 
100 " Manhattan Railway, 
100 " Gold & Stock Telegraph Company, 
Louisville, St. Louis & Texas Railroad bonds, 



Market value. 

$6,195 00 ^ 
3,000 00 I 
7,600 00 )> 
1,325 00 ] 
9,575 00 J 
10,000 00 
23,400 00 



Loaned thereon . 



$20,000 00 



8,710 00 
16,310 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 

( Fidelity, . 
Premiums in course of j Plate-glass, 



collection (gross), 



i Steam-boiler, 
( Accident, . 



Plate-glass on hand, . 
Miscellaneous, . 

Gross assets, . 
Deduct special deposits in Virginia, 



$353,060 00 $270,020 00 

31, 1890. 

$6,000 00 

7,200 00 

241 00 

712,240 00 

270,020 00 

18,397 45 

20,559 43 

3,438 78 

20,897 85 

28,802 52 

15,632 82 

285,622 33 

7,500 00 

24,677 05 

$1,421,229 23 

10,000 00 



Balance, $1,411,229 23 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 

{ Fidelity, . 
Unearned premiums on j Accident, . 
outstanding risks, i Plate-glass, 
(Steam-boiler, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$74,601 54 

27,983 00 

109,399 45 

599,678 84 

107,379 25 

65,527 63 

6,370 15 

101,686 89 



1,092,626 75 

$318,602 48 
250,000 00 



$68,602 48 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$12,900 00 
7,000 00 



198 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Cash received for fidelity risks, 

Deduct re-insuranee and return premiums, 

Net cash received for fidelity risks, . 

Cash received for accident risks, 

Deduct re-insurance and return premiums, 

Net cash received for accident risks, 

Cash received for plate-glass risks, . 

Deduct re-insurance and return premiums, 

Net cash received for plate-glass risks, . 

Cash received for boiler risks, . 

Deduct re-insurance and return premiums, 

Net cash received for boiler risks, . 

Cash received for interest, 

Gross cash income, .... 



$22G,157 4G 
26,866 20 



$ 1,093,396 77 
25,538 25 

$218,658 86 
5,881 32 

$83,6G6 28 
7,475 38 



§199,291 2G 



1,067,858 52 



212,777 54 



76,190 90 

44,445 52 



. 61,600,563 74 



Expenditures. 

Cash paid for fidelity claims, . 

Deduct amount recovered, 

Net cash paid for fidelity claims, 

Cash paid for accident claim-. . 

Deduct rebate and re-insuranee, 

Net cash paid for accident claims, 

Cash paid for plate-glass claims, 

Deduct salvage and re-insurance, 

Net cash paid for plate-glass claims, 

Cash paid for steam-boiler claims, . 

Deduct re-insurance, etc., . 

Net cash paid for steam-boiler claims, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo3~ees, 

for State and local taxes, 

for incidentals, 

for profit and loss account, 

Gross cash expenditures, .... 



$80,160 32 
28,593 47 

$383,986 18 
4,440 17 



,001 34 
10,876 30 



$12,101 44 
5,780 15 



$51,566 85 



379,546 01 



75,125 04 



6,321 29 

22,500 00 

417.450 00 

166,145 83 

22,111 43 

196,141 19 

485 53 

. £1,337,393 17 



Risks and Premiums. 

Premiums. 

Fidelity risks in force Dec. 31, 1889, . . $31,246,972 00 $198,952 64 
Fidelity risks written or renewed during 1890, 36,273,177 00 232,285 94 



Total, 

Deduct expirations and cancellations, 



.$67,520,149 00 $431,238 58 
. 33,897,755 00 212,529 68 



In force Dec. 31, 1890, 



. $33,622,394 00 £218,708 90 



1890.] 



INSURANCE COMPANIES. 



199 



Accident risks in force Dec. 31, 1889, . . $96,649,666 00 
Accident risks written or renewed during 1890, 166,232,000 00 



Total, $262,881,666 00 

Deduct expirations and cancellations, . . 100,805,066 00 



Premiums. 

$666,982 75 
1,262,369 34 

^1,929,352 09 
733,686 74 



In force Dec. 31, 1890, 



Plate-glass risks in force Dec. 31, 1889, . . $6,573,674 00 
Plate-glass risks written or renewed during 

1890, 7,717,639 00 



$162,076,600 00 $1,195,665 35 
$183,245 04 

217,978 52 



Total, $14,291,313 00 

Deduct expirations and cancellations, . . 6,668,026 00 



In force Dec. 31, 1890, 



. $7,623,287 00 



Steam-boiler risks in force Dec. 31, 1889, . $16,285,314 00 
Steam-boiler risks written or renewed during 

1890, 20,556,121 00 



Total, $36,841,435 00 

Deduct expirations and cancellations, . . 12,943,164 00 



$401,223 56 
186,493 02 

$214,730 54 
$108,075 71 

88,987 11 

$197,062 82 
67,033 08 



In force Dec. 31, 1890, 



.$23,898,271 00 $130,029 74 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Cash dividends declared during the year, 

Total losses incurred during the year, .... 

Company's stock owned by directors, .... 



£6,302,926 00 

2,241,110 00 

162,500 00 

22,500 00 

472,772 00 

100,200 00 



Massachusetts Business. 



Premiums received, . 
Losses incurred, 
Losses paid, 
Amount at risk, 



Fidelity. 
$15,959 00 

9,903 00 
9,903 00 



Accident. 

$30,414 00 
6,281 00 
5,781 00 



2,903,074 00 5,591,550 00 



200 



ACCIDENT AND GUARANTEE [Dec. 31, 



UNITED STATES BRANCH OF "THE GUARANTEE COMPANY 

OF NORTH AMERICA," MONTREAL, CAX. 

Deposit Capital, $243,000. 
Alexander T. Galt, President. Robert Kerr, Accountant. 



Detailed Statement of Stocks and Bonds. 



United States government bonds, 

City of Brooklyn, N. Y., bonds, 

City of Richmond, Va., bonds, . 

United States Guarantee Company stock, 

City of Toronto bonds, . 

Montreal Harbor bonds, . 

Canada Southern Railway bonds, . 



Par value. 

$43,000 00 
200,000 00 
15,000 00 
139,100 00 
10,000 00 
17,000 00 
15,000 00 



Market value. 

$51,695 00 
206375 00 

15,380 00 
139,100 00 
11,500 00 
20,215 00 
14,250 00 



$439,100 00 $458,015 00 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . 64,289 52 

Loans on mortgage of real estate (first liens), 12,100 52 

Stocks and bonds, as per schedule, . . . 458,015 00 

Cash deposited in bank, . . . . . 24,743 18 

Interest due and accrued, 3,310 00 

Premiums in course of collection (gross), . 30,651 81 

Bills receivable, secured, 500 00 

Office furniture, . . . . . . 2,996 50 

Gross assets, 



?536,666 53 



Unadmitted. 



Special deposit in Virginia, 
Real estate, . 
Mortgages, . 
Stocks and bonds, 
Cash, . . . '} 
Bills receivable, . | 
Furniture, . . I 
Interest, . . J 



not being in control of 
trustees, 



$15,380 00 

4,289 52 

12,160 52 

59,965 00 

24,743 18 

500 00 

2,996 50 

3,310 00 



123,344 72 



Balance, $413,321 81 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$15,000 00 
7,500 00 



1890.] 



INSURANCE COMPANIES. 



201 



Liabilities. 

Losses claimed and reported, . . . . $13,448 61 

Losses disputed or resisted, .... 17,625 35 

Unearned premiums on outstanding risks, . 99,262 48 

Due and accrued for rent, salaries, etc., . . 9,156 88 

Gross liabilities, except capital, . . $ 139,493 32 
Deduct liability on special deposits, . . 2,204 92 

Surplus as regards policy-holders, . . . . 

Deposit capital, 

Surplus over capital, 

Income. 

Premiums outstanding Dec. 31, 1889, . . $16,754 39 
Premiums on risks written or renewed, . . 240,441 95 

Total, $257,196 34 

Premiums now in course of collection, . . 30,651 81 

Entire premiums collected, .... $226,544 53 
Less re-insurance and return premiums, . . 30,743 83 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 

Claims recovered, 



Gross cash income, 



$137,288 40 

$276,033 41 
243,000 00 

$33,033 41 



$195,800 70 

9,916 30 

14,521 94 

$220,238 94 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, etc., .... 

for incidentals, 

Gross cash expenditures, .... 



$55,710 27 

6,837 00 

4,328 19 

23,100 79 

4,107 53 

22,411 25 

22,226 90 

$138,721 93 



Risks outstanding Dec. 31, 1889, 
Risks written during 1890, 



Risks and Premiums. 

Premiums. 

$32,556,012 00 $202,440 43 
45,150,633 00 248,009 81 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$77,706,645 00 $450,450 24 
38,856,208 00 225,301 00 



,850,437 00 $225,149 24 
4,418,166 00 26,624 27 



$34,432,271 00 $198,524 97 



202 



ACCIDENT AND GUARANTEE [Dec. 31, 



Miscellaneous. 
Losses incurred during the year, 



170,813 00 



ft I ASS AC IIUS ETTS B V 8 1 N ESS . 

Risks written during the year, f 3,652,100 00 

Premiums received, 20,404 00 

Losses paid, 2,20.0 00 

Losses incurred, 2,205 00 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1S66.] 

Paid-up Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 



Detailed Statement of 



State of Connecticut bonds, 
Ignited States bonds, . 
Wooster, Ohio, city bonds, 
Atchison, Kansas, city park bonds, 
Solomon, Kansas, city bonds, . 
Hutchinson, Kansas, city bonds, 
Cullison, Kansas, city bonds, . 
Kansas City, Kansas, city bonds, 
Kansas City, Kansas, city bonds, 
Coolidge, Kansas, city bonds, . 
Leavenworth, Kansas, city bonds, 
Horton, Kansas, city bonds, 
Evansville, Indiana, city bonds, 
Council Bluffs, Iowa, city bonds, 
Winfield, Kansas, city bonds, . 
Oberlin, Kansas, city bonds, 
Medicine Lodge, Kansas, city bonds 
York, Nebraska, city bonds, 
Columbus, Nebraska, city bonds, 
Trinidad, Colorado, city bonds, 
Abilene City, Kansas, bonds, . 
Anthony City, Kansas, bonds, . 
Gadstone, Michigan, city bonds, 
Gladwin, Michigan, city bonds, 
Madrid, Iowa, school district bonds, 



Stocks and Bonds. 

Par value. 

$100,000 00 

2,000 00 
10,000 00 
15,000 00 

5,000 00 
12,000 00 

6,500 00 
10,000 00 

7,500 00 
10,000 00 

5,500 00 
12,000 00 
10,000 00 
10,000 00 
10,000 00 

5,000 00 

5,000 00 
10,000 00 
10,000 00 

5,000 00 
11,000 00 
12,500 00 
10,000 00 

7,000 00 

3,500 00 



Market value. 

$110,000 00 

2,460 00 
10,800 00 
16,200 00 

5,500 00 
12,600 00 

7,150 00 
10,500 00 

7,875 00 
11,000 00 

5,775 00 
12,960 00 
11,000 00 
10,800 00 
10,500 00 

5,250 00 

5,400 00 
10,500 00 
10,100 00 

5,200 00 
11,550 00 
13,750 00 
10,500 00 

7,700 00 

3,675 00 



1890.] 



IXSUKANCE COMPANIES. 



203 



Nebraska school bonds, 

Nebraska school bonds, 

Kansas school bonds, 

Kansas school bonds, 

Minnesota school bonds, 

Mason & Tazewell District, 111., bonds, 

Lake Fork District, 111., bonds, 

W. C. Special District, 111., bonds, . 

Big Slough District, 111., bonds, 

Arizona Canal Co. bonds, . 

Arizona Improvement Co. bonds, 

Peoria, 111., township bonds, 

Oxford, Kansas, township bonds, 

Oswego, Kansas, township bonds, . 

Jefferson, Kansas, township bonds, . 

Reno, Kansas, township bonds, 

Dexter, Kansas, township bonds, 

Haskell, Kansas, township bonds, . 

Albion, Nebraska, village bonds, 

So West. Irrigation County, Kansas, bonds, 

School Creek Precinct, Clay Co., Neb., bonds, 

Sutton Precinct, Clay County, Neb., bonds, 

Lewis Precinct, Clay County, Neb., bonds, 

Pawnee County, Kansas, bonds, 

Dickinson County, Kansas, bonds, 

Riley County, Iowa, bonds, 

Lyon County, Iowa, bonds, 

Dayton & Western Railroad bonds, 

Mahoning Coal Railroad bonds, 

Cincinnati, Van Wert & Michigan R.R. bonds 

Chicago, Burlington & Quincy R.R. bonds, 

New York & New England R.R. bonds, . 

40 shares City National Bank, Hartford, 
100 " Hartford National Bank, Hartford 

80 " Security Company, Hartford, 
100 " American Natl Bank, Hartford, 
71 " Farm. & Mech. Nat. B'k, Hartford 

41 " iEtna National Bank, Hartford, 
120 " New York, New Haven & HV1 R.R 
110 " Chicago, Burl'ton & Quincy R.R. 
100 " Chicago, Milwaukee & St. P. R.R 
100 " Atch , Topeka & S. F. R.R., . 
110 " Chicago, Rock Island & Pac. R.R. 
100 " St Louis & San Francisco Railway 
100 " Chicago & Northwestern Railway, 



Par value. 

$1,000 00 
11,867 50 
11,435 00 

5,000 00 

1,400 00 

13,200 00 

14,010 61 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

6,500 00 

5,000 00 

5,000 00 

5,000 00 

8,000 00 

11,000 00 

15,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

12,000 00 

1,100 00 

10,000 00 

4,000 00 

10,000 00 

8,000 00 

5,000 00 

7,100 00 

4,100 00 

12,000 00 

11,000 00 

10,000 00 

10,000 00 

11,000 00 

10,000 00 

10,000 00 



Market value. 

$1,020 00 

12,460 87 

11,663 70 

5,250 00 

1,470 00 

14,520 00 

15,411 67 

10,500 00 

16,500 00 

11,000 00 

5,000 00 

5,000 00 

10,500 00 

10,500 00 

10,500 00 

15,750 00 

10,500 00 

5,500 00 

7,150 00 

5,250 00 

5,250 00 

5,250 00 

8,400 00 

11,550 00 

15,750 00 

10,500 00 

10,000 00 

17,250 00 

10,500 00 

12,000 00 

1,100 00 

10,200 00 

4,200 00 

15,200 00 

12,400 00 

6,800 00 

7,952 00 

4,920 00 

31,410 00 

9,900 00 

10,500 00 

2,900 00 

7,810 00 

7,800 00 

13,600 00 



$703,213 11 §767,363 24 



204 



ACCIDENT AND GUARANTEE [Dec. 31 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



31, 1890. 

$4,461 23 
423,470 00 

12,142 41 

767,303 24 

4,245 29 

52,347 60 

16,459 73 
127,992 00 



$1,408,481 50 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$10,428 73 

820,184 49 

625 00 

5,597 13 



Surplus over capital, . 



836,835 35 

.646 15 
500,000 00 

$71,616 15 



Income. 

Premiums and inspections outstanding Dec 
31,1889, 

Premiums and inspections on risks written or 
renewed, 



Total, 

Premiums and inspections now in course of 
collection, 

Entire premiums and inspections collected, 
Less re-insurance and return premiums, . 
Net cash premiums and inspections received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from special services, . 

Gross cash income, .... 



$102,887 45 
652,487 77 

$755,375 22 

127,992 00 

$627,383 22 
52,789 89 

sources, . 



t,593 33 
24,916 13 
37,643 64 

2,025 05 

$639,178 15 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,329,353 00 
257,230 00 
100,670 00 



1890.] 



INSURANCE COMPANIES, 



205 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, .... 

for incidentals, .... 

Gross cash expenditures, .... 



$65,913 06 

50,000 00 

147,392 63 

26,656 40 

11,315 57 

195,319 57 

100,918 33 

$597,515 56 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1889, . . $121,200,690 00 $1,327,392 38 
Risks written during 1890, .... 68,623,31700 652,48777 



Total,. . . . * . 
Deduct risks expired and terminated, 

In force at end of year, 



$189,824,007 00 $1,979,880 15 
. 40,225,053 00 425,882 60 



$149,598,954 00 $1,553,997 55 



Miscellaneous. 

Premiums and inspections received from organization of 

compan} T , 

Losses paid from organization of company, 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$5,987,305 00 
458,059 00 

56,672 00 
489,750 00 

50,000 00 
135,550 00 



Massachusetts Business. 



Risks written during the year, . 
Received for premiums and inspections, . 

Losses paid, 

Losses incurred, 



1,581,117 00 

95,851 00 

2,650 00 

2,644 00 



206 



ACCIDENT AND GUARANTEE [Dec. 31, 



" LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW STORK, 11 

NEW YORK, N. Y. 

[Incorporated August, 1882. Commenced business Sept. 4, 1882.] 
Paid-up Capital, $100,000. 

J. G. Beemer, President. W. T. Woods, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par value. 

United States bonds, $100,000 00 

Brooklyn & Coney Island Railroad bonds, . 10,000 00 

Atlantic Avenue Railroad bonds, . . . 7,000 00 

42d St , Manhat'ville & St. Nich. Ave. R.R bonds, 5,000 00 

Chicago & Eastern Illinois Railroad bonds, . 5,000 00 

Toledo & Ohio Central Railroad bonds, . . 20,000 00 

Second Avenue Railroad bonds, . . . 10,000 00 

Brooklyn Cross-town Railroad bonds, . . 10,000 00 

Northern Pacific & Montana Railroad bonds, . 10,000 00 

Northern Pacific Land Grant Railroad bonds, . 10,000 00 

Pittsburgh & Western Railroad bonds, . . 10,000 00 

Chicago, Rock Island & Pacific Railroad bonds, 10,000 00 

Dominion of Canada bonds, .... 10,000 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents clue and accrued, .... 

Plate-glass on hand, 

Miscellaneous, 

Prem's more than three months due, $6,461 28 

Gross assets, 

Deduct special deposits in Canada, . 



Balance, 



Liabilities. 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 
Due and accrued for incidentals, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$217,000 00 

31, 1890. 

$125,000 00 

238,125 00 

3,472 35 

34,788 78 

65,938 04 

779 98 

13,335 87 

1,563 o(j 



£3,540 80 

185,408 30 

28,578 09 

18,099 83 

1235,627 02 

9,466 66 



Market value. 

$120,000 00 

10,500 00 

7,350 00 

00 

50 00 

21,000 00 

10,500 00 

10,500 00 

10,200 00 

8,300 00 

7,700 00 

9,725 00 

11,000 00 

3,126 00 



'.,003 58 
11,000 00 

$172,003 58 



226,160 36 

£245,843 22 
100,000 00 

$145,843 22 



1890.] 



INSURANCE COMPANIES. 



207 



Income. 

Premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash premiums received, . 
Interest and dividends received from all 
Income from rents, .... 



$61,364 76 

974 25 

$60,390 51 

387,634 50 

$448,025 01 

72,399 32 

|375,625 69 

22,441 95 



sources, 



Gross cash income, 

Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, . 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for expenses on real estate, 

Gross cash expenditures, .... 



$208,944 54 
49,069 15 



Risks and Premiums. 



Risks outstanding Dec. 31, 1889, 
Risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$10,714,529 00 

12,683,427 00 

$23,397,956 00 

11,056,011 00 



$353,183 74 

11,861 41 

4,040 00 

$369,085 15 



$159,875 39 

16,000 00 

87,862 16 

58,057 48 

7,871 24. 

2,678 87 

$332,345 14 



Premiums. 

$325,555 69 
387,634 50 

$713,190 19 
342,274 78 



2,341,945 00 $370,915 41 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent), 
Company's stock owned by directors, .... 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 

Losses paid, 

Losses incurred, 



,946,311 00 

786,490 00 

209,678 00 

73,000 00 

16,000 00 

62,500 00 



$925,981 00 

24,421 00 

9,646 00 

9,788 00 



208 



ACCIDENT AND GUARANTEE [Dec. 31, 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid-up Capital, $300,000. 

Arnold A. Rand, Alfred D. Fosteb, 

Vice-President and Manager. Clerk and Treasurer. 

Office, 23 Milk Street. 

Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 



Loans on mortgage of real estate (first 1 
Interest due or accrued thereon, 
Fitchbunj; Railroad bonds 
Plant of company, 
Cash deposited in bank, 
Interest due and accrued, 
Bills receivable, 
Furniture and fixtures, 
Gross assets, 



iens), 



§8,789 46 



Liabilities. 
Due for borrowed money, 

Gross liabilities, except capital, 

Income 
Cash premiums received, . 
Cash received for conveyancing, 
Interest and dividends received from all 

sources, 

Income from commissions, 
Income from guaranty fund, . 

Gross cash income, . 

Expenditures. 
Cash paid for interest, .... 
for commissions and brokerage, 
for salaries of officers and employees 
for dividends to stockholders, . 

for taxes, 

for incidentals, 

for expenses on real estate, 

Gross cash expenditures, . 

Miscellaneous 
Premiums received from organization of com- 



pany, 

Losses incurred during the }*ear, 
Losses paid during the year, 
Company's stock owned by directors, 



$5,000 00 

98,453 56 

1,130 52 

20,000 00 

177,057 35 

4,947 25 

300 00 

15,427 64 



$16,000 00 



$322,316 32 



$16,000 00 

$39,611 96 
11,731 88 

2,311 07 
1,594 98 
8,687 11 

$63,937 00 

$1,019 65 

843 91 

34,599 71 

6,000 00 

2,409 51 

16,288 09 

643 55 

$61^04 42 



8170,580 00 

55 00 

bb 00 

69,860 00 



1890.] 



INSURANCE COMPANIES. 



209 



"THE METROPOLITAN PLATE-GLASS INSURANCE COMPANY 
" OF NEW YORK," NEW YORK. N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 
Paid-up Capital, $100,000. 



Henry IIarteau, President. 



Eugene H. Wixslow, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par value. Market value. 

United States bonds, $200,000 00 $244,000 00 

Fifth Avenue (Brooklyn) Bank stock, . . 2,000 00 2,600 00 

Hamilton Bank stock, 2,500 00 3,250 00 

Kings County Trust Company stock, . . 2,000 00 3,700 00 

Brooklyn Gaslight Company stock,. . . % 5,000 00 6,012 50 

Fulton Municipal Gas Company stock, . . 5,000 00 6,750 00 

Louisville, St. Louis & Texas Kailroad bonds, 5,000 00 5,000 00 

Metropolitan Gaslight Company stock, . . 5,000 00 5,500 00 

Equitable Gaslight Company bonds, . . 10,000 00 11,000 00 

Brooklyn Bank stock, 2,500 00 4,225 00 

$239,000 00 $292,037 50 



Summary of Assets Dec. 31, 1890. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Plate-glass on-hand, 

Miscellaneous, , 

Prem's more than three months due, 
Gross assets, .... 



1 59 



$292,037 50 

6,082 76 

15,975 94 

375 00 

30,806 19 

3,250 64 

595 20 



$349,123 23 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$2,616 00 

112,958 95 

6,066 98 

7,941 94 



129,583 87 

$219,539 36 
100,000 00 

$119,539 36 



210 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, . 



£22,902 24 
242,338 86 

5,241 10 

31,767 78 

$233,473 32 
16,420 95 



$217,052 37 
13,438 21 



Gross cash income, $230,485 58 



Expenditi 

Cash paid for losses, . • 

Deduct salvage and re-insurance, 

Net cash paid for losses, . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, .... 



£97,587 65 
11,588 10 



$85,99! 

14,000 00 
62,963 47 

34,121 01 
2,486 86 

.570 89 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1889, . . . §6,442,275 00 $190,624 
Risks written during 1890, .... 8,232,077 00 242,338 86 



Total, |14,674,362 00 $432,962 94 

Deduct risks expired and terminated, . . 6,989,640 00 207,045 03 



In force at end of year, . 



. $7,684,712 00 $225,917 91 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Company's stock owned by directors, .... 



$1,671,559 00 

605,041 00 

86,116 00 

154,000 00 

14,000 00 
56,500 00 



Massachusetts Business. 

Risks written during the year, $985,604 00 

Premiums received, 25,495 00 

Losses paid 10,277 00 

Losses incurred, 10.277 03 



1890.] 



INSURANCE COMPANIES. 



211 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April, 1877. Commenced business June, 1877.] 

J. Howard Nichols, President. David W. Lane, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Bonds. 

Par value. 

Fitchburg Railroad bonds, .... $3,000 00 

Maine Central Railroad bonds, . . . 2,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 1,000 00 

Chicago, Burlington & Northern R R. bonds, . 1,000 00 



$7,000 00 



Market value 

$3,000 00 

2,120 00 

797 50 

1,007 50 

$6,925 00 



Summary of Assets Dec 31, 1890. 



Bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Mileage tickets, 
Gross assets, 



$6,925 


00 


168 


60 


1,629 


37 


82 


40 


16 


36 



5,821 73 



Liabilities. 
Unearned premiums on outstanding risks, 
Taxes due or accrued, .... 
Gross liabilities, 

Surplus, 



$2,846 77 
8 40 



2,855 17 
$5,966 56 



Income 
Cash premiums received during the year, 
Received for interest from all sources, . 
Received from special inspections, . 

Gross cash income, .... 



$5,550 


87 


300 


26 


59 


65 



$5,910 78 



Expenditures. 

Cash paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, . 

Gross cash expenditures, . 



§93 


07 


1,102 


00 


54 


48 


150 


00 


1,969 


60 


2,388 


92 


213 


85 



fd,97l 92 



212 ACCIDENT AND GUARANTEE [Dec. 31, 

Miscellaneous. 

Contingent 
Amount. Cash premiums. premiums. 

Risks outstanding Dec 31,1889, $772,500 00 $6,143 20 $30,710 00 

Risks written during 1890, . 821,000 00 5,630 22 28,15110 



Total, $1,593,500 00 $11,773 42 s,867 10 

Risks terminated during 1890, . 767,500 00 6,079 88 30,399 40 



In force at end of year, . . §826,000 00 $5,693 54 $28,467 70 

Percentage of profits or surplus returned during 1890, 33^ per cent. 

Massachusetts Business. 

Risks written during the year, $666,700 00 

Premiums received, 4,478 00 

Contingent premiums received, 22,390 00 



"THE STANDARD LIFE AXD ACCIDENT INSURANCE COM- 
PANY; 1 DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1884.] 
Paid-up Capital, $200,000. 

D. M. Ferry, President. Stewart Marks, Secretary. 

Income. 

Total premium income, 3553,606 38 

Cash received for interest, 20,124 46 

Total income, $573,730 84 

Net or ledger assets Dec. 31, 1889, 387,749 21 

Total, $961,480 05 

Disbursements. 

Cash paid for losses and additions, $280,723 68 

for commissions to agents, 141,946 19 

for salaries of officers and office employees, . . 73,380 86 

for taxes and fees, 15,296 07 

for incidentals, 45,020 51 

Total disbursements, $556,367 31 

Balance, $405,112 74 



1890.] 



INSURANCE COMPANIES. 



213 



Invested in the following : — 

Assets as per Ledger Accounts 

Loans on mortgage of real estate (first liens), 

Detroit city bonds, 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 



Ledger assets (as per balance), 



$288,222 22 

35,000 00 

20,133 29 

61,657 23 

100 00 



$405,112 74 



Other Assets. 
Interest due and accrued, ...... 

Uncollected premiums on j^olicies in force, 

Total assets per company's books, . 



7,012 56 
105,261 23 



$517,386 53 



Items not admitted. 



Bills receivable, 

Total admitted assets, 



100 00 



$517,286 53 



Liabilities. 
Premium reserve on account of accident risks outstanding 

Dec. 31, 1890, 
Claims in process of adjustment, 
Claims resisted by the company, 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, 
Surplus over capital, 



Gross liabilities, 



$ 220,651 31 



$267,668 19 

2,466 66 

26,500 00 

|296,635 15 

200,000 00 
20,651 38 



|517,286 53 



Miscellaneous. 

Number. Amount. Prem's thereon. 

In force Dec. 31, 1889, . . . 27,433 $58,729,800 00 $513,973 48 

Written or renewed during 1890, . 32,746 73,694,100 00 668,189 91 



Total, 60,179 f 132,423,900 00 §1,182,163 39 

Deduct those expired and terminated, 33,554 69,570,600 00 646,826 40 



In force at end of year, . 



26,625 $62,853,300 00 $535,336 99 



Massachusetts Business 



Accident risks written during the year, 
Premiums received, .... 

Losses paid, 

Losses incurred, 



Number. Amount. 

413 $1,106,500 00 

5,329 00 

835 00 

835 00 



214 



ACCIDENT AND GUARANTEE [Dec. 31, 



"THE TRAVELERS 1 INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 
Paid-up Capital, $600,000. 

James G. Batterson, President. 



Rodney I) e n nis, Si c re la nj . 



Income. 

Total premium income, 

Cash received for interest, .... 
for rents of company's property, 

for profits on bonds or stocks sold, 

Total income, 

Net or ledger assets Dec. 31, 1889, . 



Total, 



$2,12* 
86,59.5 

121 65 

13,555 10 

f 2,228,796 08 

2,249,0:55 61 

•4,477,831 69 



Disbursements. 

Cash paid for losses and additions, .... 
for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising ..... 

for incidentals, . 

Total disbursements, 

Balance, 

Invested in the foilowiiiff : — 



1,050 88 

96,000 00 

567,9o4 58 

119,408 05 

6,214 00 

9; 

39,040 97 

30,030 67 

1,943 00 

50,278 46 

-.178 82 

82,067.: \ 
$2,410,23 



Assets as per Ledger Accounts 

Cost value of real estate, .... 

Loans on collateral security (schedule A), 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents" ledger balances, . 

Suspense account, .... 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



S16,O09 76 

100,000 00 

1,735,245 94 

506 25 

88,435 10 

1,870 70 

468,171 59 

$2,410,239 34 

162,726 44 



§2,217,512 90 



1890.] 



INSURANCE COMPANIES. 



215 



Other Assets. 
Market value of real estate, over cost, 

Total assets per company's books, . 

Items not admitted. 

Agents' 1 balances, 

Suspense account, 

Total, 

Total admitted assets, .... 



$507 81 



1,248,020 71 



fl,870 70 
468,171 59 



470,042 29 
. fl,777,978 42 



Liabilities. 

Premium reserve on account of accident risks outstanding 

Dec 31, 1890, 

Losses in process of adjustment, 
Claims resisted by the company, 
Due for salaries, rent and office expenses, 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, 



Gross liabilities, 



$783,748 03 



$803,230 39 

124,950 00 

56,050 00 

10,000 00 

$994,230 39 

600,000 00 
183,748 03 



Exhibit of Policies. 



Accident policies in force Dec. 31, 1889, . 
Accident policies written during 1890, 

Total, 



. $1,777,978 42 



Number. Amount. 

73,095 $243,746,608 00 
101,928 289,381,670 00 



175,023 $533,128,278 00 



Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated .by death, 221 $522,550 00 

Terminated by expiry, 103,259 288,394,639 00 

— _ 103,480 288,917,189 00 



In force Dec 31, 1890, 



71,543 $244,211,089 00 



Massachusetts Business. 



Accident risks written during the year, . 

Premiums received, 

Losses paid, 

Losses incurred, 

Schedule A. 
Securities held as collateral : — 

Meriden, Waterbury & Conn R'rRR bonds, 
1334 shares Meriden Britannia Co , . 



Number. 


Amount. 


6,947 


$20,536,850 00 


- 


125,495 75 


620 


39,072 02 


622 


41,572 02 



Market value. 

> 100,000 00 
136,735 00 



Amount loaned. 

000 00 



\ $100, 



$ 236,735 00 §100,000 00 



216 



ACCIDENT AND GUARANTEE [Dec. 31, 



Schedule 15. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

Tennessee State bonds, $26,677 50 $20,000 00 

Johnson County, 111., bonds, .... 22,385 61 23,000 00 

Wayne County, 111., bonds, .... 16,62582 17,00000 

White County, 111., bonds, .... 8,060 44 8,500 00 

Montrose County, Col., bonds, . . . . 5,200 00 5,200 00 

Mesa County, Col., bonds, .... 7,000 00 00 

Rio Arriba, X. M , bonds, 8,896 00 00 

School District, Cass County, Dak., bonds, . 24,500 00 24,500 00 

School District, Montrose County, Col., bonds, 8,000 00 00 

Bloorafield, Conn., town bonds, . . . 30,000 00 30,000 00 

Pitkin, Col., town bonds, 3,500 00 '0 00 

Howard Township, Kan., bonds, . . . 20,44143 24,000 00 

Paw Paw Township, Kan., bonds, . . . 6,813 50 00 

Parsons, Kan , city bonds, .... 20,000 00 20,000 00 

Lima, Ohio, city bonds, 15,980 00 16,000 

Richmond, Va., city bonds, .... 30,93750 30, 

Chicago, Burl. & Quincy Railroad bonds, . 3,000 00 -0 00 

Columbus & Western Railroad bonds, . . 53,000 00 53,000 00 

Pullman Palace Car Co. bonds, . . . 32,240 00 29,680 00 

1100 shares Chicago, Burl. & Quincy Railroad, 122,927 25 97,762 50 

400 " Illinois Central Railroad, . . 50,689 58 -.400 00 

4580 " Pennsylvania Railroad, . . 266,305 17 228,427 

200 " Union Pacitic Railroad, . . . 23,462 50 00 

1300 " Chic, Milwaukee & St. Paul R.R., 149,768 75 135,850 00 

700 " Chic, Milwaukee & St. Paul R.R., 66,116 00 35,262 50 

200 " Chicago & Northwestern R R., . 23,268 75 20,800 00 

210 " Chicago & Alton Railroad, . . 22,318 75 26,040 00 

100 " Illinois Central Railroad, . . 8,044 00 8,000 00 

268 " Farm, and Mech. Nat. B'k, Hart ., . 37,506 87 28,006 00 

700 " American Nat. Bank, Hartford, . 44,054 00 45,500 00 

400 " City Nat Bank, Hartford, . . 44,664 75 4<>,000 00 

660 " Phoenix National Bank, Hartford, 97,413 00 82,500 00 

248 " ^Etna National Bank, Hartford, . 30,261 62 26,536 00 

200 u Mercantile Nat. Bank, Hartford, . 20,182 00 15,000 00 

140 " New Britain National Bank, . 17,540 00 18,900 00 

100 " National B'k of Commerce, N. Y., 13,975 00 1 -.500 00 

33 " Nat Shoe and Leather B% N. Y., 4,455 00 4,950 00 

100 " St Paul Nat. B'k, St. Paul, Mich., . 10,000 00 12,000 00 

276 " First Bank, Morris, . . . 32,540 00 20,700 00 

500 " Hartford Trust Company, . . 49,878 15 62,500 00 

503 " Western Union Telegraph Co., . 43,217 00 37,725 00 

2128 " Colorado Valley, Col., Land Co., . 212,800 00 212,800 00 



§1,735,245 94 $1,572,519 50 



1890.] 



INSURANCE COMPANIES. 



217 



"UNITED STATES GUARANTEE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890.] 
Paid-up Capital, $250,000. 

Edward Rawlings, President. Daniel J. Tompkins, Secretary. 



Detailed Statement of Bonds. 

Par value. 

United States bonds, $73,000 00 

New York city bonds, 100,000 00 

Canada Southern Railroad bonds, . . . 10,000 00 



Market value. 

186,910 00 

100,000 00 
9,500 00 



§ 183,000 00 $190,410 00 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Bonds, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$63,000 00 

378 42 

196,410 00 

290 03 

24,129 77 

965 94 

3,636 47 



$288,810 63 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Re-insurance, etc , 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$1,016 59 

27,610 65 

722 60 

3,143 90 



32,493 74 

$256,316 89 
250,000 00 



1,316 89 



Income. 

Premiums on risks written, .... $67,854 17 
Premiums now in course of collection, . . 3,636 47 

Entire premiums collected, .... §64,217 70 

Less re-insurance and return premiums, . . 5,876 47 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 

Gross cash income, 



$58,341 23 
5,886 63 



$64,227 86 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$70,000 00 
80,000 00 
5"., 000 00 



218 ACCIDENT AND GUARANTEE COS. [Deo. 31, 



Expenditures. 
Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$7,435 90 
82:5 57 



12 33 

15 40 

62 44 

'1 25 

8,170 07 

>2 09 



Risks and Premiums. 



Risks written during 1S90, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$12,764,216 00 
2,108,900 00 



§10,595,316 00 
487, 



Premiums. 

$67,854 17 
10,241 31 

.012 86 

n 65 



810,108,310 00 $55,221 31 



Massachusetts Business 

Guarantee risks written, $130,000 00 

Premiums received, 562 50 



MASSACHUSETTS 

ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



ABSTRACTS OF STATEMENTS DEC. 31, 1890. 



SUMMARY OF STATEMENTS RECEIVED. 



AMERICAN ACCIDENT ASSURANCE ASSOCIATION. 

[Incorporated Feb. 17, 1890. Commenced business June 16, 1890.] 

John J. Whipple, President. Robert Luce, Secretary. 

Office, 103 Milk Street, Boston. 



Income during 1890. 



For membership fees, 
assessments, 
borrowed money, 



Total income, 

Disbursements during- 1890. 

Salaries and commissions to agents, . . $221 00 

Salaries of officers and employees, ... 40 00 

Rent, $50.00 ; advertising and printing, $ 181.50 

miscellaneous, $103.00, 334 50 

Total disbursements, 



Balance, 



Net or Invested Assets 

Cost value of bonds and stocks owned, . 
Cash in office, 



Total net or invested assets, . 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, .... 
Borrowed money, 
Advance assessments, 

Total actual liabilities, 

Balance, net assets, 

Total Business of 1890. 

Policies written during 1890, 

ceased during 1890, 

in force Dec. 31, 1890, .... 



$50 00 

167 50 

2 00 



$361 00 
316 00 
167 50 

£847 50 



595 50 



$252 00 



$200 00 
52 00 

£252 00 



219 50 

$32 50 



Number. Amount. 

364 $364,000 00 

*51 51,000 00 

313 313,000 00 



* By death, 1. No liability. 



222 



ASSESSMENT LIFE AND [Dec. 31, 



ATLANTIC AND PACIFIC MUTUAL ACCIDENT COMPANY OF 

THE UNITED STATES. 

[Incorporated Jan. 27, 1890. Commenced business Jan. 31, 1890.] 

C. D. Bradbuky, Jr, President. L. B. Wilmabth, Secretary. 

Office, 101 Milk Street, Borton. 



Income during 1890. 



For membership fees, 
For assessments, mortuary, 

Totul income, . 



$193 50 
407 

|601 26 



Disbursements during 1890. 



For losses and claims, 

For salaries and commissions to agents, 

All other, 

Total disbursements, 





85 


■ 88 


80 


109 





490 50 



Balance, 



I 70 



Net ok Invested Assets. 
Cost value of bonds and stocks owned, . 



104 76 



Contingent Mortuary Assets (oh Resources). 

Mortuary assessments called and not yet due, . $42 00 

Deduct estimated cost of collection, . 4 20 

Net amount due from members, . . 



$37 80 



Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec 31, 1890,. 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 


Amount 




221 


. 


199 


19,750 00 


22 


\ .150 




7 


$237 


00 


7 


237 





1890.] 



CASUALTY COMPANIES. 



223 



'BAY STATE BEXEITCIARY ASSOCIATION',"' 
WESTFIELD. 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

John R. Reed, President. R W. Parks, Secretary. 



Income duking 1890. 
For membership fees, 
annual dues, 
assessments, mortuary, 
medical examiner's fees paid by applicant, 
interest, .... 
premium on bonds sold, . 

Total income, . 
Balance on hand Dec. 31, 1889, 



$16,9-46 00 
53,475 03 

380,799 68 
2,115 00 
4,171 32 
1,400 00 

|458,907 03 

138,360 37 



Total, $597,267 40 



Disbursements during 1890. 

For losses and claims (113 deaths), . . $370,300 00 

salaries and commissions to agents, . . 35,014 60 

salaries of officers and employees, . . 14,336 20 

medical examiner's fees, .... 5,445 60 

All other, 17,739 63 

Total disbursements, .... 



Balance, 



412,836 03 



154,431 37 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . 
Cash deposits on emergency or reserve fund account, . 
Cash in bank, 



Total net or invested assets, . 



$132,719 17 

21,569 40 

142 80 

$154,431 37 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, $ 65,000 00 
Mortuary assessments not yet ca led for losses 

reported, 29,500 00 

Total due from members, . . . 



^9 4,500 00 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of claims, 30), 



$94,500 00 



224 



ASSESSMENT LIFE AND 



[Dec. 31, 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 18'JO, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during- 1890, . 



Number. 
11,34 4 
2,115 

13,459 

1,201 



Amount. 

• 1,000 00 
7,154,000 00 



143,355,01 

135,000 00 



12,258 $39,420,000 00 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 

Business in Massachusetts 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

. Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec 31, 1889, . 
Losses and claims incurred during 1890, . 

Total, . . .-. 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



20 
123 

143 
113 



$74,000 00 
390,800 00 



,800 00 
1,300 00 



30 


$94,500 00 


DURING 1890. 




Number. 


Amount. 


. .". 


116,798,000 00 


475 


-'7,000 00 



5 $18,425,000 00 
246 733,000 00 



09 


$i; 


',692,000 00 


12 




$45,000 


00 


68 




219. 


00 



80 
62 



18 



I 00 
3,000 00 

$56,000 00 



"BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION," 

BOSTON. 

[Incorporated Jan. 15, 18S5. Commenced business Feb. 7, 18S5.] 

Geo. F. Washburn, President. R. A. Washburn, Secretary. 

Office, 57 Temple Place. 

Income during 1890. 

For membership fees, $140 00 

annual dues, 1,103 05 

assessments, indemnity, 2,088 27 

medical examiner's fees paid by applicant, ... 28 00 

Total income, $3,359 32 

Balance on hand Dec. 31, 1889, 2,500 92 

Total, £5,860 24 



1890.] 



CASUALTY COMPANIES. 



225 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



$2,151 


07 


140 


00 


853 80 


28 


00 


296 


49 







§3,469 36 
$2,390 88 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . . . 

Cash in office, 

Cash in bank, ... .... 

Total net or invested assets, .... 

Non-invested Assets. 
Interest accrued, . 

Gross assets, . 

Contingent Mortuary Liabilities. 
Losses resisted, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, . ' . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

388 

28 

416 

197 

219 

1 

68 



69 
67 



$1,025 


46 


289 


13 


1,076 


29 



$2,390 88 



176 25 



$2,567 13 



$131 66 



Amount. 



00 
2,211 00 

?2,282 00 
2,151 00 

§131 00 



Business in Massachusetts during 1890. 

Number. 

371 

28 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, . . . . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



399 
181 



218 



Amount. 



226 



ASSESSMENT LIEE AND 



[Dec. 31, 



Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Nnmb 


Amount. 


1 




65 


2,140 00 



GG 
64 



82,210 00 
2,08* 

1131 00 



CHELSEA RESERVE FUND ASSOCIATION, CHELSEA. 

[Incorporated Feb. 25, 1888. Commenced business Jul}- 28, 1888.] 

Charles H. Ferson, President. Charles Lawton, Secretary. 



Income during 1890. 

For membership fees, 

assessments, mortuary, $243.00 ; expense, $24.30, 
medical examiner's fees paid by applicant, 

All other, 

Total income, 

Balance on hand Dec. 31, 1889, 

Total, 

Disbursements during 1890. 
For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, 

Net or Invested A^ets. 

Cash in office, 

Cash deposits on emergency or reserve fund account, 

Total net or invested assets, .... 



267 30 

15 00 

J 00 

6 80 
213 07 

$56* ♦ -7 



240 00 




2 50 




24 00 




15 00 




76 77 







358 27 



6211 60 



?11 60 
200 00 

|211 60 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

271 
15 


Amount. 

$54,200 00 
3,000 00 


286 

24 


7,200 00 

•0 00 


262 

1 
1 


162,400 00 

8240 00 
240 00 



1890.] 



CASUALTY COMPANIES. 



227 



ECONOMIC ACCIDENT INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 7, 1890. Commenced business October, 1890.] 

J. Henry Gould, President. Theodore P. Dresser, Secretary. 

Office, 120 Tremont Street. 



Income during 1890. 

For membership fees, 

assessments, indemnity, $1,284.50 ; expense, $523.00, 
borrowed money, 



Total income, 



Disbursements during 1890. 
For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 

All other, 

Total disbursements, 



$222 00 

1,807 50 

400 00 

$2,429 50 



226 75 




56 00 




897 62 






1,185 37 





Balance, 



$1,244 13 



Net or Invested Assets 

Cost value of bonds and stocks owned, 
Cash in office, 



Total net or invested assets, . 
Less depreciation, .... 



Total net or invested assets, . 



$522 00 
722 13 

1,244 13 

18 00 

1,226 13 



Liabilities. 
Salaries, rents and office expenses' due and 

accrued, 

Borrowed money, ... . 

Total actual liabilities, .... 



Balance, net assets, 



Total Business of 1890 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during; 1890, . 
Losses and claims paid during 1890, 



$16 00 
400 00 



416 00 

$810 13 



Number. Amount. 

1,111 $1,111,000 00 
88 88,000 00 



1,023 $1,023,000 00 



$5 00 
5 00 



228 



ASSESSMENT LIFE AND 



[Dec. 31, 



EMPLOYEES ACCIDENT INSURANCE COMPANY OF MASSA- 
CHUSETTS, BOSTON. 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

William N. Osgood, President. W. R. Stockbbidge, Jr., S< 

Office, 13 School Street. 



Income during 1 



For entrance fees, 

assessments, mortuary, $289.05 ; expense, $358.00, 

advance to agents repaid, . 
Advanced by incorporators, 

Total income, 



>:;.> 


00 


647 


05 


18 


45 


1,544 81 



8 31 



Disbursements during 1890. 



For losses and claims, 

For salaries and commissions to agents, 

Advanced to officers and agents, 

All other, 

Total disbursements, 

Balance, 



93 




358 00 




476 " 




437 13 






1,332 81 






$1,235 50 



Net or Invested Assets 



Agents' ledger balances, . 

Cash in office, 

Total net or invested assets, . 
Less agents 1 balances unsecured, 

Total net or invested assets, . 



$238 40 
997 10 

61,2:35 50 
238 40 

$997 10 



Business in Massachusetts during 1890. 



Policies written during 1890, . 
Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, . 



Number. Amount. 

853 £213,250 00 
495 123,750 00 



358 $89,500 00 



Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



7 $60 93 

7 60 93 



1890.J 



CASUALTY COMPANIES. 



229 



THE GREYLOCK BENEFICIARY, 
NORTH ADAMS. 

[Incorporated Aug. 20, 1890. Commenced business Aug. 23, 1890.] 

William F. Orr, President. Herbert L. Brown, Secretary. 

Income during 1890. 

For membership fees, . $163 25 

annual dues, 150 84 

assessments, mortuary, 163 41 

borrowed money, 1,162 61 

All other, 4 92 

Total income, '. . . $1,645 03 



Disbursements during 1890. 

For salaries and commissions to agents, . . $309 74 

For salaries of officers and employees, 

All other, 

Returned to rejected applicants, 
Total disbursements, 

Balance, .... 



620 76 




547 79 




75 






1,479 04 





$165 99 



Net or Invested Assets. 

Cash in office, 

deposits on emergency or reserve fund account, . 
in treasury, 



Total net or invested assets, . 



$2 58 

122 98 

40 43 

$165 99 



Liabilities. 

Salaries, rents and office expenses, 

Borrowed money, 

All other (not including contingent expenses), 
Total actual liabilities, .... 

Balance, deficit, 



$131 02 

1,162 61 

44 47 



1,338 10 



,172 11 



Contingent Mortuary Assets (or Resources), 
Mortuary assets due and unpaid, . . . $120 03 
Deduct estimated cost of collection, ... 27 36 
Net amount due from members, , . 



»2 67 



230 



ASSESSMENT LIFE AND 



[Dec. 31, 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet clue, . 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims unpaid Dec. 31, . 



s of 1890. 


Number. 

661 

434 

217 

1 
1 


Amount. 

$67,944 00 
45,015 00 




2,929 00 

$93 00 
93 00 



HOME RELIEF ASSOCIATION, 
LYNX. 

[Incorporated Sept. 26, 1884. Commenced business Oct. 25, 1884.] 

John G. Btzzell, President. A. Justin Townsend, Secretary. 

Income during 1890. 

For membership fees, 
annual dues, 
assessments, mortuary, 
medical examiner's fees paid by applicant, 
borrowed money, 
interest, .... 

Total income, 
Balance on hand Dec. 31, 1889, 

Total, .... 

Disbursements during 1890. 
For losses and claims (28 deaths), . . . $29,500 00 



00 


4,6S 


86 


30350 


82 


it, . . . 112 


00 


. 


93 


. 


86 


- -.195 


47 


. 


65 


142,978 12 



salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Miscellaneous, 

Total disbursements, 

Balance, 



2,183 39 

2,279 99 

934 00 

1,933 44 



82 
$6,147 30 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



Total net or invested assets, 



S2,l>7 Bl 

64 52 

4 97 



86,147 30 



1890.] 



CASUALTY COMPANIES. 
Non-invested Assets. 



Interest due, 

(h'oss assets, . 



231 



371 48 



1,218 78 



Liabilities. 

Losses adjusted, due and unpaid, 
Borrowed money, ..... 
Total actual liabilities, . 

Balance, net assets, 



$2,000 00 
2,014 59 



4,014 59 
f2,204 19 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $1,307 06 

Mortuary assessments due and unpaid, . . 227 76 
Mortuary assessments not yet called for losses 

unadjusted, $ 5,000; resisted, $1,000, . . 6,000 00 

Total due from members, . . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), $2,000 00 

Losses in process of adjustment (number of 

claims, 4), . 5,000 00 

Losses reported, not in process (number of 

claims, 1), 1,000 00 

Losses resisted (number of claims, 1), . . 1,000 00 

Total contingent mortuary liabilities, . 



$7,534 82 



|9,000 00 



Total Business of 1890 

Policies in force at beginning of year, 
Policies written during 1890, .... 

Total, 

Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 

Total, 

Losses and claims paid during 1890 (1 cancellation 
$2,000), 

Losses and claims unpaid Dec. 31, 1890, . 



Number. Amount. 

1,959 $2,046,500 00 
787 800,000 00 



2,746 $2,846,500 00 
530 509,000 00 



2,216 §2,337,500 00 

7 $7,000 00 
32 35,500 00 



' 39 $42,500 00 
29 31,500 00 



10 $11,000 00 



232 



ASSESSMENT LIFE AM) 



[Dec. 31, 



MASSACHUSETTS BENEFIT ASSOCIATION, 
BOSTON. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879.] 

G. A. Litchfield, President. E. S. Litchfield, Secretary. 

Office, Exchange Building. 



Income during 1890. 
For membership fees, 

annual dues, 

assessments, mortuary, § 1,032,902. 76 ; expense, 629,052.23 

medical examiner's fees paid by applicant, 

interest, 

All other sources, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$27,:;21 50 

137,215 02 

1,001,954 99 

3,298 00 

21,375 

74 00 

S 1.-55,142 03 

438,400 44 

11,693,608 47 



Disbursements during 1890. 



For losses and claims (298 deaths), . 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

printing, rent and taxes, 

agency expenses, 

legal expenses, . 
All other, .... 
Total disbursements, 

Bal"ance, . 



$877,209 05 
95,138 79 
32,053 32 
7,857 28 
15,172 41 
14,1G5 14 
23,979 04 
:3 13 



Net or Invested Assets. 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 

Cost value of bonds and stocks owned, . 

Agents' ledger balances, 

Cash in office, 

deposits on emergenc} T or reserve fund account, 
in bank, 

Total net or invested assets, .... 
Less depreciation and agents* balances unsecured, . 

Total net or invested assets, .... 
Non-invested Assets. 



Interest accrued, 



1,073,278 16 
. ',330 31 

i,6G2 03 

33,500 00 

154,323 92 

3,154 87 

8,898 86 
200,594 92 

5,195 71 

$620,330 31 
0,944 62 

SO 13,385 69 
6,358 50 



Gross assets, $019,744 19 



1890.] 



CASUALTY COMPANIES. 



233 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, . . . $364,800 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 

47), $133,900 00 

Losses in process of adjustment (number of 

claims, 34) 127,000 00 

Losses reported, not in process" (number of 

claims, 14), $38,000- 00 

Losses resisted (number of claims, 5)-, . . 21,000 00 

Total contingent mortuary liabilities, . $319,900 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims imjjaid Dec. 31, . 



Number. Amount. 

21,666 $69,441,750 00 
5,388 12,360,250 00 



27,054 $81,802,000 00 
3,295 9,293,000 00 



23,759 $72,509,000 00 

69 $241,650 00 
329 1,047,350 00 



398 $1,289,000 00 
298 969,100 00 



100 $319,900 00 



Business in Massachusetts 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 



during 1890. 

Number. Amount. 

10,176 $33,811,000 00 
1,947 4,720,500 00 



12,123 $38,531,500 00 
816 2,518,200 00 



11,307 $36,013,300 00 

26 $76,323 00 
153 471,400 00 



179 $547,723 00 
129 400,074 00 



Losses and claims unpaid Dec. 31, . 



50 ' $147,049 00 



234 



ASSESSMENT LIFE AND 



[Dec. 31, 



"MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION," 

BOSTON. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Everett A. Stevens, President. George E. McNeill, Secretary. 

Office, 131 Devonshire Street. 



Income during 1890. 
For membership fees, 

annual dues, " 

indemnity assessments, 

interest, 
All other, . 



Total income, 
Balance on hand Dec 

Total, 



31, 18*9, 



.440 00 

63 00 

9,56.0 00 

153 65 

$20,402 15 
6,903 40 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



.$6,112 77 

. 5,826 46 
. 3,310 67 
. 438 00 
. 1,788 69 



17.476 r/J 






Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in bank, 

Total net or invested assets, . 



$2,711 00 

7,1 :: 



Liabilities. 
Capital stock, - 00 

Balance, net assets, -96 

Contingent Mortuary Assets (or Resources). 

Indemnity assessments called and not yet due, ?910 00 
Indemnity assessments not yet called for 

losses resisted, 5,000 00 

Total due from members, . . . .910 00 

Contingent Mortuary Liabilities. 
Losses resisted (number of claims, 1), .000 00 



1890.] 



CASUALTY COMPANIES. 



235 



Policies in force at beginning of year, 
Policies written during 1890, .... 


Number. 

1,217 

1,098 

2,315 
963 

1,352 

1 
131 

132 

131 

1 

JRING 1890. 
Number. 

1,069 
1,053 

2,122 
873 

1,249 

1 

118 

119 

118 

1 


Amount. 

$3,907,250 00 
2,240,000 00 


Total, 

Policies ceased during 1890, .... 


$6,147,250 00 
2,151,000 00 


Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 


$3,996,250 00 

$5,000 00 
6,112 00 


Total, 

Losses and claims paid during 1890, 


$11,112 00 
6,112 00 


Losses and claims unpaid Dec. 31, 1890, . 

Business in Massachusetts di 

Policies in force at beginuing of year, 
Policies written duriug 1890, .... 


|5,000 00 

Amount. 

$3,532,500 00 
2,131,250 00 


Total, 

Policies ceased during 1890, .... 


$5,663,750 00 
1,890,750 00 


Policies in force Dec. 31, 1890, .... 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 


$3,773,000 00 

$5,000 00 
5,495 00 


Total, 

Losses and claims paid during 1890, 


$10,495 00 
5,495 00 


Losses and claims unpaid Dec. 31, 1890, . 


85,000 00 



MASSACHUSETTS MUTUAL AID SOCIETY, FITCHBURG. 

[Incorporated Feb. 17, 1879. Commenced business March 27, 1879.] 

Henry A. Goodrich, President. Festus C. Currier, Secretary. 



Income during 1890. 

For membership fees, 

annual dues, ...... 

assessments, mortuary, .... 

medical examiner's fees paid by applicant, 
interest, 

Total income, 

Balance on hand Dec. 31, 1889, 

Total, 







$364 00 






2.274 


00 






42,953 


90 






53 


00 






309 


82 


615,954 


72 






16,017 


32 


|61,972 


04 



236 



ASSESSMENT LIFE AM) 



[Dec. 31, 



Disbursements during 1890. 



For losses and claims (25 deaths), . 

salaries and commissions to agents, . 

salaries of officers and employees, . 

medical examiner's fees, . 

All other, 

Total disbursements, 



$44,000 00 
3,099 27 
447 

53 00 
417 89 



Balance, 



Net ok Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash deposits on emergency or reserve fund account, 

Cash in bank, 



Total net or invested assets, 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 7), 

Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, 



Number. 

2,443 
53 



2,496 
150 



§48,017 41 
$13,954 03 



16,490 54 
5,170 76 
2,293 33 

$13,954 63 



$13,000 00 



Amount. 

$4,376,000 00 
87,000 00 

14,463,000 00 

342,000 00 



2,346 $4,121,000 00 



4 

28 

32 
25 



Business in Massachusetts during 1890. 

dumber. 

Policies in force at beginning of year, . . . 2,207 
Policies written during 1890, 50 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



2,257 
89 



$6,000 00 
51,000 00 

$57,000 00 
44,000 00 

$13,000 00 



Amount. 

$3,898,000 00 
81,000 00 

$3,979,000 00 
196,000 00 



2,168 $3,783,000 00 



4 
25 



$6,000 00 
46,000 00 



29 
22 



- 2,000 00 

39,000 00 

613,000 00 



1890.] 



CASUALTY COMPANIES. 



237 



"MERCANTILE MUTUAL ACCIDENT ASSOCIATION," BOSTON. 

[Incorporated Jan. 4, 1881. Commenced buHinees Jan. 24, 1881.] 

Wm. B. Brown, President. Wm. L. Wellman, Secretary. 

Office, 18 Post Office Square. 



Income during 1890. 
For membership fees, 
annual dues, 

indemnity assessments, $21,847.54; 
interest, 
advance assessments, 

Total income, . 
Balance on hand Dec. 31, 1889, 



expense, $1,129.68, 



Total, 



$7,101 00 

10,216 39 

22,977 22 

442 38 

481 29 

$41,218 28 

12,934 92 

$54,153 20 



Disbursements during 1890. 



For losses and claims, .... 

advance assessments applied, . 

salaries and commissions to agents, . 

salaries of officers and employees, . 

medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



,865 57 

432 03 

7,825 19 

7,282 51 

1,134 00 

2,706 08 



Net or Invested Assets. 
Stocks and bonds owned, . 
Cash in office, .... 
Cash in bank, .... 

Total net or invested assets, 
Less depreciation, 

Total net or invested assets, 

Liabilities. 
Advance assessments, .... 

Balance, net assets, 



39,245 38 
$14,907 82 



$8,372 50 
1,000 24 
5,535 08 

$14,907 82 
8 13 

$14,899 69 



481 29 

$14,418 40 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, . $2,600 00 
Mortuary assessments resisted, $9,000.00 ; re- 
ported, $1,250.00, 10,250 00 

Total due from members, . . . 



$12,850 00 



238 



ASSESSMENT LIFE AND 



[Dec. 31, 



Contingent Mortuary Liabilitii 

Losses in process of adjustment (number of 

claims, 20), $800 00 

Losses reported, not in process (number of 

claims, 25), 1,250 00 

Losses resisted (number of claims, 2), . . 9,000 00 

Total contingent mortuary liabilities, . 



1,050 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



N amber. 

3,315 
1,621 



Amount. 

$14,031,050 00 
4,092,000 00 



4,936 
1,503 



$18,123,050 00 
4,119,750 00 



3,433 $14,003,300 00 



20 
231 



251 
232 



$11,850 00 
19,065 00 

$30,915 00 
19,865 00 



19 $11,050 00 



Business in Massachusetts during 1890. 



Policies in force at beginning- of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

3,012 $12,700,000 00 
958 2,224,250 00 


3,970 
1,157 


$14,924,250 00 
3,030,250 00 


2,813 $11,894,000 00 

20 $11,050 00 
160- 15,321 00 


180 
161 


$26,371 00 

16,321 00 


19 


610,050 00 



1890.] 



CASUALTY COMPANIES. 



239 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY, BOSTON. 

[Incorporated April 12, 1888. Commenced business Oct. 13, 1888.] 

J. A. Harwood, President. Everett S. Litchfield, Secretary. 

Office, 120 Tremont Street. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments, indemnity, $14,708.11 ; expense, $4,754.28, 
medical examiner's fees paid by applicant, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$ 15,932 44 

420 04 

19,462 39 

64 50 

44 07 

$35,923 44 

3,231 16 

$39,154 60 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



$14,091 00 
7,337 45 
8,626 91 
1,322 36 
3,805 28 



35,183 00 



$3,971 60 



Net or Invested Assets. 

Agents' ledger balances, 

Cash in office, 

Cash in bank, ........ 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 



$1,348 20 


2,026 


40 


597 


00 


$3,971 60 


1,348 


20 



$ 2,623 40 



Contingent Mortuary Assets (or Resources) 
Indemnity assessments called and not yet due, $1,935 Go 

Indemnity assessments due and unpaid, . . 239 75* 

Indemnity assessments not yet called for 

losses reported, 4,616 08 

Net amount due from members, . . 



$6,791 48 



240 



ASSESSMENT LIFE AND 



[Dec. 31, 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 14), 82,364 00 

Losses in process of adjustment (number of 
claims, 1), 150 00 



Total Business 

Policies in force at beginning of year, 
Policies written during 1890, . 


' - 
1 OP 


1890 


Number. 

1,406 

2,890 


Amount. 

1 00 
46632 


Total, 

Policies ceased during 1890, 


4,296 
1,819 


$702,577 00 
304,931 00 


Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 


2,477 

5 

112 

117 
102 


$397,640 00 

$1,076 00 
16,919 00 


Total, 

Losses and claims paid during 1890, 


$ 17,995 00 
15,481 00 


Losses and claims unpaid Dec. 31, . 


15 


32,514 00 



» NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION;' BOSTON. 

[Incorporated Feb. 29, 1S84. Commenced business March, 1854.] 

Augustus P. Martin, President. Benjamin F. Dyer, Secretary. 

Office, 85 Water Street. 

Income during 1890. 

For membership fees, $46,574 00 

annual dues, 1,142 50 

indemnity assessments, $56,371.28; expense, §49,764. 75, 106,136 03 

All other, 307 35 

Total income, $154,159 88 

Balance on hand Dec 31, 1889, 35,71'.' 

Total, $189,879 17 

Disbursements during 1890. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



$43, 899 69 
786.75 

54,765 77 

21,144 18 

6,923 00 

12,838 37 



140,357 76 



Balance, 



$49,521 41 



1890.] 



CASUALTY COMPANIES. 



241 



Xet or Invested Assets. 

Cost value of bonds and stocks owned, .... 

Agents' ledger balances, 

Cash in office, 

Cash deposits on emergency or reserve fund account, . 

Total net or invested assets, 

Less depreciation, bills receivable and agents' balances, 

Total net or invested assets, 



§22,901 85 

2,010 24 

531 46 

23,477 86 

$49,521 41 
2,807 09 

§46,714 32 



Non-invested Assets. 

Interest due, $302.50 ; accrued, §271.85, . 
Office furniture and fixtures, .... 
Total non-invested assets, 

Gross assets, 



1574 35 

2,459 52 



3,033 87 
§49,748 19 



Liabilities. 

Taxes due and accrued, 

Advance assessments, 

All other (not including contingent mortuary), 
. Total actual liabilities, .... 

Balance, net assets, .... 



$100 00 

3,261 28 

500 00 



3,861 28 
$45,886 91 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, 84,874 50 

Mortuary assessments not yet called for losses 

unadjusted, $3,908.70; resisted, $12,715.50; 

and reported, $1,716.42, .... 18,340 62 

Total due from members, . . . $23,215 12 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 64), ,908 70 

Losses reported, not in process (number of 

claims, 21), 1,716 42 

Losses resisted (number of claims, 11), . . 17,590 00 

Total contingent mortuary liabilities, . $23,215 12 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Number. Amount. 

7,843 $30,808,750 00 
9,659 28,910,125 00 



17,502 §59,718,875 00 
8,129 22,435,125 00 



9,373 §37,283,750 00 



242 



ASSESSMENT LIFE AND [Dec. 31, 



Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

7 
916 

923 
912 



Amount. 

$8,820 00 
52,069 00 

SO 1.489 00 
43,899 00 



11 §17,590 00 



Business in Massachusetts during 1890. 

Number 

Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Amount. 

3,505 $14,575,375 00 
1,340 5,567,250 00 



4,845 §20,142,625 00 
1,450 5,505,2.". 



3,395 

3 

189 


§14,637,375 00 

83,900 00 
11,826 00 


# 192 
190 


$15,726 09 
13,076 00 



$2,65 



PIONEER LIFE AND CASUALTY INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 1, 1889. Commenced business Aug. 24, 1889.] 

Samuel F. Head, President. Charles Bulle, Secretary. 

Office, 70 Devonshire Street. 

Income during 1890. 

For membership fees, f 1,050 00 

annual dues, 2,303 92 

indemnity assessments, ....... 1,728 36 

medical examiner's fees paid by applicant, . . . 4S3 00 

advances repaid, 86 00 

borrowed money, 126 16 

Total income, 777 44 

Balance on hand Dec. 31, 1889, 551 91 

Total, .329 35 



1890.] 



CASUALTY COMPANIES. 



243 



Disbursements during 1890. 



For losses and claims, 


f 1,792 54 




advances returned, 


5 00 




salaries and commissions to agents, . 


2,927 18 




salaries of officers and employees, . 


7 55 




medical examiner's fees, .... 


514 85 




All other, 


602 39 




Total disbursements, .... 




$5,849 51 


. 


Balance, 


$479 84 


Net or Invested Assi 


:ts. 




Cost value of bonds and stocks owned, . 




$306 00 


Cash in office, 




49 54 


Cash in bank, 




124 30 


Total net or invested assets, . 


$479 84 


Less depreciation, 




27 00 


Total net or invested assets, . . 


$452 84 


Liabilities. 






Losses adjusted, due and unpaid, 


$32 80 




Borrowed money, 


1,826 37 




Total actual liabilities, ... 




1,859 17 





Balance, net deficiency, . 



$1,406 33 



Contingent Mortuary Assets (or Resources), 

Mortuary assessments due and unpaid, . . $158 73 

Deduct estimated cost of collection, . . 120 00 

Net amount due from members, . . 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 
claims, 5), . . . . . . . $138 00 

Losses resisted (number of claims, 1), . 75 00 

Total contingent mortuary liabilities, . 

Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$38 73 



Number. 

218 
. 485 


Amount. 

$91,800 00 
203,500 00 


703 
274 


$295,300 00 
113,800 00 



429 $181,500 00 

$1,792 00 
1,792 00 



244 



ASSESSMENT LIFE AND 



[Dec. 31, 



"UNION MUTUAL BENEFIT ASSOCIATION/ BOSTON. 

[Incorporated Dec. 24, 1879. Commenced business Jan. 10, 1880.] 

Nehemiah T. Merritt, President. (Has. R. Folsom, Secretary. 

Office, 85 Devonshire Street. 



Income during 1890. 

For membership fees, 

animal dues, ...... 

assessments, mortuary, .... 

medical examiners fees paid by applicant, 
interest, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$278 00 


1,888 46 


14,725 98 


44 00 


110 88 


|17,0i7 32 


6,318 69 


?23,366 01 



Disbursements during 1890. 
For losses and claims (14), .... -515,049 42 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiners fees, . 

All other, 

Total disbursements, 



273 00 




3,000 00 




44 00 




844 89 






19 211 31 







Balance, 



84.154 70 



Net or Invested Assets. 

Value of bonds and stocks o^-ned, . . 

Cash in office, ........ 

Cash in bank, 

Total net or invested assets, .... 



£3,064 62 


72 




1,017 


29 



§4,154 70 



Liabilities. 
Losses adjusted, due and unpaid, 

Balance, net assets, 



1.639 75 



$2,514 95 



Contingent Mortuary Liabilities. 
Losses reported, not in process (number of 

claims, 3), 88,360 25 

Losses resisted (number of claims, 1), . . 2,000 00 
Total contingent mortuary liabilities, . 



$10,360 25 



1890.] 



CASUALTY COMPANIES. 



245 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, .... 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 




543 $1,058,500 00 


44 


54,000 


00 



587 $1,112,500 00 
132 249,000 00 


455 

1 

18 


$863,500 00 

$5,000 00 
37,500 00 


19 
14 


$42,500 00 
30,500 00 



$12,000 00 



ASSESSMENT 

Life and Casualty Companies 

OF OTHEE STATES. 



ABSTRACTS OF ANNUAL STATEMENTS DEC. 31, 1890. 



SUMMARY OF STATEMENTS RECEIVED. 



"THE BANKERS' LIFE ASSOCIATION OF MINNESOTA," 

ST. PAUL, MINN. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1880.] 

Russell R. Dorr, President. Douglass Putnam, Secretary. 



Income during 1890. 
For membership fees, 

annual dues, 

mortuary assessments, .... 

interest, 

Cash from guarantee trust fund notes, . 



$18,450 80 

34,835 41 

98,434 43 

6,676 49 

16,284 50 



Total income, $174,681 63 

Balance on hand Dec. 31, 1889, 201,549 55 



Total, $376,231 18 



Disbursements during 1890. 



For losses and claims (53), . 

Returned to beneficiaries of deceased members 

from trust fund, .... 
For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
All other, . . . 

Total disbursements, 



Balance, $221,856 40 



$103,250 00 

1,255 00 
22,714 62 
13,926 88 

2,824 50 
10,403 78 



154,374 78 



Net or Invested Assets. 

Cost value of bonds and stock owned, 

Cash in office, 

deposit on emergency or reserve fund account, 
in bank, 



Total net or invested assets, . 
Less depreciation unsecured, . 

Total net or invested assets, . 



$179,413 22 

208 07 

8,355 42 

33,879 69 

$221,856 40 
3,238 22 

$218,618 18 



250 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Non-invested Assets. 

Interest accrued, $184 L3 

Guarantee trust fund notes not due . . 51,826 75 

Entrance payments in process, . . . 800 92 

Total non-invested assets, 



Gross assets, 



$52,818 10 
$271,43! 



Contingent Mortuary Assets (ok Resources). 

Mortuary assessments, £42,03'' 

Mortuary assessments not j*et called for 
losses reported, 



Total due from member-, 
Deduct estimated cost of collection, 

Net amount due from members, 



4,000 00 
350 



$45,686 52 



Contingent Mohtuabt Liabilities. 

Losses reported, not in process (number of claims, 2), . 



$4,000 00 



Total Business of 1890 



Policies in force at beginning of year. 
Policies written during 1890, . 

. Total, .... 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

5,357 $10,714,000 00 
1,007 2,014,000 00 



6,364 $12,728,000 00 
457 914,000 00 



5,907 $11,814,000 00 



1 
54 



53 



$2,000 00 
106,505 00 

$108,505 00 
5 00 

$4,000 00 



Business in Massachusetts during -1890. 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

87 

2 


Amount. 

6174,000 00 
4,000 00 


89 

8 


$178, ) 00 

16,000 00 4 


81 

1 
1 


$162,000 00 

$2,000 00 
00 



18^0. 



J 



OF OTHER STATES. 



251 



"COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS," 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1877. Commenced business Jan. 9, 1877.] 

A. W. Berggren, President. W. H. Smollinger, Secretary. 

Income during 1890. 

For membership fees, $51,943 00 

advance deposits, 41,096 77 

assessments, mortuary, $974,949.26 ; expense, $106,505.96, 1,081,455 22 

interest, 9,109 50 

increase in agents 1 ledger balances, 287 01 



Total income, $1,183,891 50 

Balance on hand Dec. 31, 1889, 441,110 13 



Balance, 



Total, $1,625,001 63 

Disbursements during 1890. • 

For losses and claims (328 deaths), . 

advance deposits, .... 
advance deposits returned and surren 

dered certificates, .... 
salaries and commissions to agents, . 
salaries of officers and employees, . 
for medical examiner's fees, 

All other, 

Total disbursements, 



,510 67 

42,332 66 

6,649 67 

55,815 03 

36,639 53 

11,124 50 

38,481 33 



Net or Invested Assets 

Cost value of bonds and stocks owned, . 

Agents' ledger balances, » 

Cash in bank, 



Total net or invested assets, . 
Less depreciation and agents 1 balances unsecured, 

Total net or invested assets, . 

Non-invested Assets. 

Interest due, 

Furniture, fixtures and office supplies, . 

Total non-invested assets, . . . — 



1,079,553 39 
$545,448 24 



$469,267 68 

4,704 24 

71,476 32 

$545,448 24 
13,544 62 

$531,903 62 



$4,755 00 
10,104 78 



14,859 78 



Gross assets, $546,763 40 

Liabilities. 

Advance assessments, 14,978 53 

Balance, net assets, $531,784 87 



252 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Contingent Mortuary Assets (or Resouh i 
Mortuary assessments called and not yet due, |84,375 00 
Mortuary assessments not yet called for losses 
unadjusted, $117,500.00 ; resisted, $15,000.00 ; 
and reported, $81,750.00, .... 214,250 00 

Total due from members, . . . f 298,625 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 17), 819,375 00 

Losses in process of adjustment (number of 

claims, 25), 68,125 00 

Losses reported, not in process (number of 

claims, 29), 81,750 00 

Losses resisted (number of claims, 5), . . 15,000 00 

Total contingent mortuary liabilities, . £214,250 00 



Total Business of 1890 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, . 



Number. Amount. 

33,701 $88,712,500 00 
3,775 8,181,000 00 



37,476 $96,893,500 00 
4,757 12,175,625 00 



32,719 $84,717,875 00 

99 ::>,G25 00 
305 853,500 00 



404 §1,129,125 00 
328 914,875 00 



76 6214,250 00 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims paid during 1890, 



. 30 


80,625 00 


. 370 
. 71 


1,250 00 
185,625 00 


. 299 

2 

2 


$785,625 00 

$5,000 00 
5,000 00 



1890.] OF OTHER STATES. 253 

"FIDELITY MUTUAL LIFE ASSOCIATION," PHILADELPHIA. 

[Incorporated Dec. 2, 1878. Commenced business Jan. 1, 1879.] 

L. G. Fouse, President. W. S. Campbell, Secretary. 

Income during 1890. 

For annual dues, $187,678 96 

assessments, mortuary, $363,986.71 ; expense, §9,290.41, . 373,277 12 

interest, 11,548 85 

rent, 2,060 74 

All other sources, 41 00 

Total income, $574,606 67 

Balance on hand Dec. 31, 1889, 272,152 63 

Total, §846,759 30 

t Disbursements during 1890 
For losses and claims (138 deaths), . . § 300,306 56 
Returned to rejected applicant, . . . 3,400 58 
For salaries and commissions to agents, . . 85,304 30 
salaries of officers and employees, . . 40,455 53 
medical examiner's fees, .... 11,694 83 
rent, §6,156.56; taxes, §527.68; advertis- 
ing and printing, $16,732.69, . . 23,416 93 
licenses and legal expenses, $6,491.32; 
furniture and fixtures, $3,446.45 ; travel- 
ling expenses, §12,701 59 ; all other, 

$4,091.02, 26,730 38 

Total disbursements, .... 491,309 11 

Balance, §355,450 19 

Net or Invested Assets. 

Cost of real estate, $41,144 93 

Loans on mortgages, 179,800 00 

Cost value of bonds and stocks owned, 6,870 01 

Agents' ledger balances, 20,106 09 

Cash in office, 2,101 91 

Cash deposits on emergency or reserve fund account, . . 10,452 15 

Loans on renewal interests, 74,914 09 

Bills receivable and printing machinery, .... 20,061 01 

Total net or invested assets, $355,450 19 

Less agents 1 balances, bills receivable, etc., .... 40,167 10 

Total net or invested assets, $315,283 09 



254 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Non-invested Assets. 
Interest due, £253.23 ; accrued, $3,202.54, . $3,455 77 

Market value of real estate, over cost, . . 28,855 07 

Market value of bonds and stock, over cost, . 1.G80 00 

Total non-invested assets, . . . 1,900 84 

Gross assets, ; 93 

Liabilities. 
Salaries, rents and office expenses due and 

accrued, f 456 29 

Advance assessments, 12,156 

Total actual liabilities, .... 12,612 84 

Balance, net assets, ?336,661 09 

Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 1), $3,000 00 

Losses reported, not in process (number of 

claims, 28), 68,000 00 

Losses resisted (number of claims, 4), . . 12,500 00 

Total contingent mortuary liabilities, . $83,500 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, . . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, . . . ' . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, 



Number. Amount. 

10,611 $23,796,450 00 
3,403 7,369,250 00 



14,014 |31,165,7 
1,838 4,210,050 00 



12,176 $26,955,6- 



1 
170 



171 
138 



33 



6 1.5<»0 00 
-.306 00 



- 33,806 00 
'.306 00 



$83,500 00 



Business in Massachusetts during 1890. 

Number. 

Policies in force at beginning of year, . . . 314 

Policies written during 1890, 155 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Amount. 

$772,500 00 
279,000 00 



469 81,051,500 00 
43 83,500 00 



426 $968,000 00 



£6,000 00 
6,000 00 



1890.] 



OF OTHER STATES. 



255 



"HARTFORD LIFE AND ANNUITY INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business January, 1880.] 

II. A. Whitman, President. Stephen Ball, Secretary. 

Income during 1890. 

For membership fees, $80,001 50 

annual dues, 208,373 23 

assessments, mortuary, $865,055. 12 ; expense, $45,082.22, 910,137 34 

interest, 21,856 18 

cash for safety fund, 107,790 19 

Total income, $ 1,328,158 44 

Balance on hand Dec. 31, 1889, 847,770 22 

■ 

Total, $2,175,928 66 



Disbursements during 1890. 



For losses and claims (318 deaths), . 
advances applied, 
dividends from safety fund, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
stockholders' dividends, 

All other, 

Total disbursements, 



Balance, $1,000,428 23 



$823,085 55 
19,848 26 
17,328 91 
156,716 43 
47,870 80 
28,896 6Q 
20,000 00 
61,753 82 



1,175,500 43 



Net or Invested Assets 
Loans on mortgages, 
Cost value of bonds and stocks owned, 
Cash in office, 

deposits on Safety Fund account, 

in bank, 

Total net or invested assets, . 
Less depreciation, .... 

Total net or invested assets, . 



$6,000 00 

89,657 75 

1,318 26 

862,117 23 

41,334 99 

$1,000,428 23" 
18,221 75 

$982,206 48 



Non-invested Assets. 
Interest due, $189.00 ; accrued, $341.16, . 

Gross assets, 



530 16 



$982,736 64 



256 ASSESSMENT LIFE, ETC., COS. [Dec. 31, 

Liabilities. 

Taxes due and accrued, $8,990 51 

Accumulated Safety Fund, .... 862,218 "7 

Advance assessments, 18,500 

All other (not including contingent mortuary), 8,913 44 

Total actual liabilities, .... £898,628 08 

Balance, net assets, 1,108 56 

Contingent Mortuary Assets (or Resource.-). 

Mortuary assessments called and not yet due, $3,000 00 

Mortuary assessments due and unpaid, . . 216,000 00 
Mortuary assessments not yet called for losses 
unadjusted, $27,000 ; resisted, $35,000; and 

reported, $54,000, 116,000 00 

Total due from members, . . . $335,000 00 

Contingent Mortuary Liabilitii S8, 

Losses adjusted, not yet due (number of 

claims, 75), 8219,000 00 

Losses in process of adjustment (number of 

claims, 5), 27,000 00 

Losses reported, not in process (number of 

claims, 21), 54,000 00 

Losses resisted (number of claims, 4), . . 35,000 00 

Total contingent mortuary liabilities, 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 856 $1,829,500 00 

Policies written during 1890, 265 590,000 00 



les, 

S OF 


1890 


Number. 

. 29,775 
8,401 


- $335,000 00 

Amount. 

$70,784,000 00 
16,198,000 00 


38,176 886,982,000 00 
4,489 8,946,000 00 


33,687 

66 
357 

423 
318 

105 


$78,036,000 00 

$201,500 00 
958,500 00 


81.160,000 00 
825,000 00 


$335,000 00 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



1,121 82,419,500 00 
75 173,500 00 



1,046 82,246,000 00 



1890.] OF OTHER STATES. 257 

Number. Amount. 

Losses and claims unpaid Dec. 31, 1889, ... 1 $1,000 00 

Losses and claims incurred during 1890, ... 9 24,000 00 



Total, 10 $25,000 00 

Losses and claims paid during 1890, ... 6 8,000 00 



Losses and claims unpaid Dec. 31, 1890, ... 4 $17,000 00 



" HOME BENEFIT ASSOCIATION," NEW YORK, N. Y. 

[Incorporated Dec. 2, 1881. Commenced business Jan. 30, 1882.] 

Wm. A. Camp, President. R. D. Dodge, Secretary. 

Income during 1890. 

For membership fees, $17,666 09 

annual dues, 5,984 20- 

assessments, mortuary, $137,788.22 ; expense, f33,918.59, 171,706 81 

interest, 1,333 84 

All other, 260 73 



Total income, $196,951 67 

Balance on hand Dec. 31, 1889, * 63,828 06 



Total, $260,779 73 



Disbursements during 1890. 



For losses and claims (42 deaths), . 

dividends and premiums returned, . 

salaries and commissions to agents, . 

salaries of officers and employees, . 

medical examiner's fees, . 
Paid general agency company, . 

All other, 

Total disbursements, 



$134,826 72 

2,578 91 

31,022 88 

8,055 39 

135 20 

32,970 63 

11,710 70 

221,300 43 



Balance, $39,479 30 

Net or Invested Assets. 

Loans on mortgages, $18,000 00 

Bills receivable, 6,363 12 

Cost value of bonds and stocks owned, 1,000 00 

Agents' ledger balances, 3,065 26 



* Deficiency in balance brought from 1889, $3,166.01. 



25$ 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



-1 31 
717 
1 75 



Agents 1 ledger balances, 

Bills receivable, 

Total net or invested assets, . 

Non-invested Assets. 



$3,065 26 
6,363 12 



Interest accrued, 



$39,479 

9,428 38 
130,050 92 

92 00 



Gross assets, $30,142 92 

Liabilities. 

Losses adjusted, due and unpaid, . . . $5,000 00 

Bills payable, 1,321 67 

Advance assessments, 4,930 35 

Total actual liabilities, .... 11,252 02 

Balance, net assets , . • $18,890 90 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, £45,364 32 
Mortuary assessments not yet called for losses 

unadjusted, $36,000.00 ; resisted, $49,500.00 

and reported, $22,000.00, 



Total due from members, 
Deduct estimated cost of collection, 

Xet amount due from members, 



107,500 00 

$152,864 32 
297 00 



$152,567 32 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), $9,000 00 

Losses in process of adjustment (number of 

claims, 10), 36,000 00 

Losses reported, not in process (number of 

claims, 7), 22,000 00 

Losses resisted (number of claims, 17), . . 49,500 00 

Total contingent mortuary liabilities, . 



$116,500 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, .... 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



Number. Amount. 

4,318 £11,510,416 00 
960 2,680,600 00 



5,278 £14,191,016 00 
1,794 3,887,250 00 



3,484 £10,303,766 00 



1890.] 



OF OTHER STATES. 



259 



Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, . . . . . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


32 


$136,500 00 


47 


164,500 00 


79 


$301,000 00 


. . 42 


179,500 00 


37 


$121,500 00 


ETTS DURING 1890. 




Number. 


Amount. 


215 


$870,500 00 


36 


137,000 00 


251 


$1,007,500 00 


53 


226,500 00 


198 


$781,000 00 


1 


$5,000 00 


2 


7,000 00 


3 


$12,000 00 


1 


5,000 00 


2 


$7,000 00 



"MAINE BENEFIT ASSOCIATION," AUBURN, ME. 

[Incorporated March 5, 1885. Commenced business March 17, 1885.] 

George C. Wing, President. S. A. Lowell, Secretary. 

Income during 1890. 
For membership fees, $9,102 00 



annual dues, 
assessments, mortuary, 
From all other sources, 

Total income, . 
Balance on hand Dec. 31, 1889, 

Total, . 



20,008 40 

164,733 70 

4,225 89 

$198,069 99 
57,369 74 

$255,439 73 



Disbursements during 1890. 



For losses and claims (72 deaths), . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Miscellaneous, 

Total disbursements, 

Balance, 



$177,099 46 

10,610 68 

14,248 34 

2,202 50 

4,915 80 



209,076 78 
$46,362 95 



260 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Net oh Invested Assets. 
Par value of bonds and stocks owned, 

Agents' ledger balances, 

Cash in office, 

Cash deposits on emergency or reserve fund account, 

Total net or invested assets, .... 
Less agents 1 balances unsecured, .... 

Total net or invested assets, .... 



NON-INVESTED ASSETS. 

Interest accrued, $283 26 

Market value of bonds and stock over par, . 327 50 
Total non-invested assets, . . . 



$31,000 00 

58 50 

040 58 
14^87 

146,362 95 

328 50 

146,034 45 



610 76 



Gross assets, 



$40,045 21 



Liabilities. 



Advance assessments, 

Balance, net assets, 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, $18,714 00 
Mortuary assessments not yet called for losses 

reported, 20,500 00 

Total due from members, . . . 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 5), $13,000 00 

Losses reported, not in process (number of 

claims, 2), 7,000 00 

Losses resisted (number of claims, 1), . . 4,000 00 

Total contingent mortuary liabilities, . 



41 87 



146,603 34 



$30,214 00 



$24,000 00 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, , 



Number. Amount. 

6,383 $14,920,000 00 
1,000 1,962,000 00 



7,383 $16,882,000 00 
1,205 2,683,000 00 



6,178 $14,199,000 00 

17 $49,000 00 

63 154,000 00 

80 $203,000 00 

72 179,000 00 

8 $24,000 00 



1890.] 



OF OTHER STATES. 



261 



Business in Massachusetts during 1890. 

Policies in force at beginning of year, 
Policies written during 1890, 



Total, 
Policies ceased during 1890, 



Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims unpaid Dec. 31, . 



Number 

43 
434 


Amount. 

$125,000 00 
976,000 00 


477 
81 


$1,101,000 00 
212,000 00 


.' . 396 

1 

. '. . 1 


$889,000 00 

$3,000 00 
3,000 00 



" MERCANTILE BENEFIT ASSOCIATION OF NEW YORK," N. Y. 

[Incorporated 1883. Commenced business May 1, 1887.] 

Joseph W. Congdon, President. Ira W. Steward, Secretary. 

Income during 1890. 
For membership fees, $2,710 00 

assessments, mortuary, $136,536 75 ; expense, $6,826.00,. 143,362 75 

medical examiner's fees paid by applicant, . . . 837 00 

interest, 6,060 00 

From former secretary, 2,000 00 

Total income, $154,969 75 

Balance on hand Dec. 31, 1889, 217,514 12 



Total, $372,483 87 

Disbursements during 1890. 



For losses and claims (31 deaths), . 

Advance payments applied and returned, 

For salaries and commissions to agents, . 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



$159,318 71 
1,857 00 
7,320 00 
7,226 66 
837 00 
3,515 10 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



Less error to balance, 



Total net or invested assets, . 
Less depreciation, .... 



Total net or invested assets, . 



180,074 47 
$192,409 40 



$182,305 12 

79 19 

845 09 

9,323 61 

$192,553 01 

143 61 

$192,409 40 

1,745 12 

$190,664 28 



262 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 

NON-INVESTED ASSETS. 



Interest, 

Due from former secretary, 
Office furniture and fixtures, . 
Total non-invested as- 



Gross assets, 



$1,340 00 
4,833 31 

1,171 58 



87,344 89 



1198,009 17 



Contingent Mortuary Liabilities. 
Losses reported, not in process (number of 

claims, 7), . $27,940 46 

Losses resisted (number of claims, 2), . . 6,54 

Total contingent mortuary liabilities, . 

Total Business of 1890.* 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890,. 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



$34,4 g 



. . . A,-±-*<J 

264 


1,32 


2,712 
130 


$13,560,0 
650, 


2,582 

8 
33 


$12,910,000 00 

839,439 00 
15; j 


41 
34 


$193,806 00 
159,318 00 


7 


$34,488 00 



"THE MUTUAL BENEFIT LIFE ASSOCIATION OF AMERICA," 

NEW YORK, N. Y. 

[Incorporated Dec. 22, 1883. Commenced business Jan. 19, 1883.] 

W. II. Wiiitton, President. R. D. A. Parrott, Secretary. 

Income during 1890. 



For membership fees, 

annual dues, 

assessments, mortuary, 

medical examiner's fees paid by applicant, 

interest and rent, 
All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$4,304 00 

37,001 28 

158,988 69 

12 00 

4,732 47 

2,944 45 

$207. 32 B9 

2 -..- - :_ 



$416,531 61 



* No business in Massachusetts. 



1890.] 



OF OTHER STATES. 



263 



Disbursements during 1890. 



For losses and claims, ... 
advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
rent and printing, 

Advanced to agents, . 

All other, . ■ . 

Total disbursements, 



$183,007 78 

2,375 43 

19,590 00 

18,453 97 

1,381 94 

6,054 76 

77 13 

33,417 81 



$264,358 82 



Balance, $152,172 79 



Net or Invested Assets. 

Agents 1 ledger balances, 

Cash in office, 

deposits on emergency or reserve fund account, . 

in bank, 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 



$931 66 

296 76 

108,112 76 

42,831 61 



$152,172 79 
931 66 

$151,241 13 



Non-invested Assets. 



Office fixtures, 



5,000 00 



Gross assets, $156,241 13' 



Liabilities. 


- 




Salaries, rents and office expenses due and 






accrued, 


$857 84 




Borrowed money, ...... 


6,500 00 




Advance assessments, 


1,286 42 




Bills payable, 


432 39 




Total flotiml liahilitips! 




9,076 65 








1147,164 48 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet clue, $ 1,427 94 

Mortuary assessments not yet called for losses 
unadjusted, $48,000 ; resisted, $76,400, . . 124,400 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



$125,827 94 
12,582 79 



13,245 15 



264 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 12), $48,000 00 

Losses resisted (number of claims, 17), . . 76,400 00 

Total contingent mortuary liabilities, . 



$124,400 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

3,704 
432 

4,190 
924 



Amount. 

$12,808,^50 00 
548,000 00 



$13,416,950 00 
2,720,050 00 



3,272 $10,690,300 00 



27 

55 



82 
51 



5,300 00 

212,900 00 



$338,200 00 
183,000 00 



31 ? 155,200 00 



Business in Massachusetts during 1890. 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, y 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

70 
2 


Amount. 

$170,500 00 
2,000 00 


72 
17 


$172,500 00 
31,500 00 


55 

. . 1 

1 


$141,000 00 

$5,000 00 
1,000 00 


2 
1 


$6,000 00 
1,500 00 



$4,500 00 



1890.] 



OF OTHER STATES. 



265 



"MUTUAL RESERVE FUND LIFE ASSOCIATION," 
NEW YORK, N. Y. 

[Incorporated 1875. Commenced business Feb. 9, 1881.] 

Ed wardi B. Harper, President. Frederick T. Braman, Secretary. 

Income during 1890. 

For membership fees, $171,258 37 

annual dues, 447,343 59 

assessments, mortuary, 2,634,619 24 

medical examiner's fees paid by applicant, . . . 33,204 00 

interest, . . . . . . . . . . 95,735 55 

Allother, 6,688 11 

. Total income, $ 3,388,848 86 

Balance on hand Dec. 31, 1889, 2,512,588 96 

Total, $5,901,437 82 

Disbursements during 1890. 



For losses and claims (633 deaths), 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, taxes and printing, . 
adjustment and settling expenses, 

All other, 

Total disbursements, 



$2,146,498 05 
453,589 66 
94,517 97 
43,207 30 
108,882 16 
56,315 76 
68,248 02 



2,971,258 92 



Balance, $2,930,178 90 



Net or Invested Assets. 

Loans on mortgages, 

Furniture and fixtures, 

Par value of bonds and stocks owned, . 

Agents' ledger balances (secured), . 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



Total net or invested assets, . 
Less furniture and fixtures, 



. $2,211,500 00 

12,885 28 

200,825 57 

97,449 66 

1,041 60 

359,960 23 

46,516 56 

. $2,930,178 90 
12,885 28 



Total net or invested assets, . 



. $2,917,293 62 



266 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Non-invested Assets. 

Interest due, $1,125.00; accrued, $17,993 37, . $19,118 37 
Market value of bonds and stock over par, . 8,034 43 



Total non-invested assets, 



$27,752 80 



Gross assets, $2,945,046 42 



Liabilities. 



Advance assessments, 
Dividend obligations, 

Total actual liabilities, 

Balance, net assets, 



$16,341 51 
286,307 96 



302,649 47 
J, 642,390 95 



Contingent Mortuary Assets (or Resources) 

Mortuary assessments called and not yet due, $897,900 00 

Mortuary assessments due and unpaid, . . 14,500 00 
Mortuary assessments not yet called for losses 

unadjusted, 45,500 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



|957,900 00 
65,653 00 



$892,247 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 31), $115,700 00 

Losses in process of adjustment (number of 

claims, 92), 275,900 00 

Losses resisted (number of claims, 8), . . 42,500 00 

Total contingent mortuary liabilities, . $434,100 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 

Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

53,215 $181,358,200 00 
11,795 37,697,685 00 

65,010 £219,055,885 00 
6,495 22,052,450 00 

58,515 $197,003,435 00 
125 $466,200 00 
639 2,136,750 00 

764 $2,602,950 00 
633 2,146,498 00 



131 $456,4,:. 



1890.] 



OF OTHER STATES. 



267 



Business in Massachusetts during 1890. 

Policies in force at beginning of year, . 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

. 1,696 
213 


Amount. 

$7,617,500 00 
1,858,500 00 


. 1,939 
322 


$9,476,000 00 
1,903,000 00 


. 1,617 

4 
16 


$7,573,000 00 

$19,900 00 
62,250 00 


20 
18 


$82,150 00 
76,250 00 


2 


$5,900 00 



" THE NATIONAL LIFE-MATURITY INSURANCE COMPANY," 

WASHINGTON, D. C. 

[Incorporated Feb. 2, 1884. Commenced business May 3, 1883.] 

Horatio Browning, President. George D. Eldridge, Secretary. 

Income during 1890. 

For annual dues, $46,447 12 

assessments, 210,562 47 

interest, 2,319 '42 

borrowed money, 20,000 00 

All other, 853 78 

Total income, $280,182 79 

Balance on hand Dec. 31, 1889, 70,946 35 

Total, $351,129 14 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

maturity values, 

surrender values, 
All other, .... 
Total disbursements, 



$63,741 36 
20,791 51 
15,281 13 
3,456 00 
89,500 00 
16,728 63 
8,854 14 



218,352 77 



Balance, $132,776 37 



268 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Net or Invested Assets. 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc , 
Cost value of bonds and stocks owned, . 

Agents' ledger balances, 

Cash in office, 

Cash deposits on emergency or reserve fund account, 
Personal property, 



Total net or invested assets, . 
Less agents 1 balances unsecured, etc., 

Total net or invested assets, . 



153,415 00 

21,022 03 

45,684 42 

1,441 :>:> 

1,784 48 

8,370 29 

455 00 

$132,770 37 
1399 55 

$130,870 82 



Non-invested Assets. 

Interest due or accrued, - ,554 87 

Value of bonds over cost, 485 58 

Total non-invested assets, . . . 3,040 45 



Gross assets, $ 133,9 17 -ll 



Liabilities. 
Losses adjusted, due and unpaid, 
Borrowed money, with accrued interest, . 
Total actual liabilities, . 

Balance, net assets, 



$1,000 00 
20,230 77 



21,230 77 

$11 2,680 50 



Contingent Mortuarv Assets (or Resources). 

Mortuary assessments called and not yet due, $79,788 46 
Mortuary assessments due and unpaid, . . 10,226 78 

Mortuary assessments not yet called for losses 

unadjusted, f 10,000.00; resisted, $6,000.00 

and reported, $11,000.00, 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



27,000 00 

$117,015 24 
5,850 76 



$111,164 48 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 11), §24,500 00 

Losses in process of adjustment (number of 

claims, 4) 10,000 00 

Losses reported, not in process (number of 

claims, 3), 11,000 00 

Losses resisted (number of claims, 2), . . 6,000 00 

Total contingent mortuary liabilities, . 



$51,500 00 



1890.] 



OF OTHER STATES. 



269 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


3,632 


$4,003,700 00 


6,050 


8,389,150 00 



9,682 
2,388 



$12,392,850 00 
2,747,850 00 



7,294 $9,645,000 00 



6 
38 



$12,000 00 
103,500 00 



44 
24 



$115,500 00 
64,000 00 



20 $51,500 00 



Business in Massachusetts during 1890. 

Number. 

25 

1,212 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 



Amount. 

$38,500 00 
3,678,800 00 



1,237 
130 



1,717,300 00 
290,200 00 



1,107 $3,427,100 00 



1 
15 



$1,000 00 
43,500 00 



16 

7 



$44,500 00 
18,000 00 



$26,500 00 



"NORTHWESTERN MASONIC AID ASSOCIATION," CHICAGO, ILL. 

[Incorporated June 27, 1874. Commenced business July, 1874.] 

Daniel J. Avery, President. James A. Stoddard, Secretary. 

Income during 1890. 

For membership fees, $74,592 50 

assessments, mortuary, $1,445,390.02 ; expense,$302,224.15, 1,747,614 67 

interest, 8,727 46 

All other, 7,075 21 

Total income, $1,838,009 84 

Balance on hand Dec. 31, 1889, 347,068 80 

Total, $2,185,078 64 



270 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Disbursements during 1890. 



For losses and claims (534 deaths), . 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, 



$1,497,133 34 
8,713 00 

106,o 11 55 
83,695 65 
14,323 50 

47,693 12 



Net or Invested Assets 
Cost value of bonds and stocks owned, 
Agents 1 ledger balances, . 

Cash in office, 

Cash in hands of treasurer, 

Total net or invested assets, . 
Less depreciation and agents' balances unsecured, 

Total net or invested assets, . 



11,758,070 16 

$427,008 48 



$261,770 25 

149 93 

159,500 67 

$427,008 48 

15,557 88 

en 1,450 60 



Non-invested Assets. 



Interest accrued, 

Gross assets, 



1,:)G2 48 



§412,813 08 



Liabilities. 

Losses adjusted, due and unpaid, . . . $13,666 66 

Advance assessments, 36,055 11 

All other (not including contingent mortuary), 1,660 69 

Total actual liabilities, .... 

Balance, net assets, 



81,382 46 
1331,430 ■ 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments due and unpaid, . . $28,696 00 

Mortuary assessments not yet called for 
losses unadjusted, $73,000.00 ; resisted, 
$7,500.00; and reported, § 8 1,500.00, . . 162,000 00 

Net amount due from members, . . §190,696 00 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 25), $73,000 00 

Losses reported, not in process (number of 

claims, 28), 81,500 00 

Losses resisted (number of claims, 1), . . 7,500 00 

Total contingent mortuary liabilities, . $162,000 00 



1890.] 



OF OTHER STATES, 



271 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, . . 
Losses and claims paid* during 1890, 

Losses and claims unpaid Dec. 31, . 



Business in Massachusetts 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


. 53,040 $145,554,500 00 


. 8,846 


22,329,500 00 


. 61,880 $167,884,000 00 


. 6,909 


18,791,500 00 


. 54,977 $149,092,500 00 


94 


$244,700 00 


510 


1,467,000 00 


604 


$1,711,700 00 


534 


* 1,506,034 00 


70 


$205,666 00 


>ETTS DURING 1890. 




Number. 


Amount. 


658 


$1,932,000 00 


45 


116,500 00 


703 


$2,048,500 00 


88 


219,000 00 


615 


$1,829,500 00 


,. 1 


$5,000 00 


1 


5,000 00 



"PROVIDENT AID SOCIETY," PORTLAND, ME. 

[Incorporated March 5, 1885. Commenced business Oct. 15, 1885.] 

F. J. Rollins, President. Everett Smith, Secretary. 

Income during 1890. 

For membership fees, $7,834 24 

annual dues, 7,809 65 

assessments, mortuary, $41,028.37; expense, $983.59, . 42,011 96 

interest, • . . . . 1,160 68 

All other, 77 31 

Total income, $58,893 84 

Balance on hand Dec. 31, 1889, ...... 21,783 73 

Total, $80,677 57 

* $8,900 by surrendered certificates. 



272 



ASSESSMENT LIFE, ETC., COS. [Dec. 31, 



Disbursements during 1890. 

For losses and claims (13 deaths), . . . $32,751 51 

advances returned, 722 50 

salaries and commissions to agents, . . 5,738 22 

salaries of officers and employees, . . 6,185 79 

All other, 5,99:] 68 

Total disbursements, 



Balance, 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 



$51,391 70 

129,285 87 

343 40 
16 52 

3,425 95 

$29,285 87 
1,000 00 



Total net or invested assets, 

Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, -.285 87 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, . . . $8,500 00 

Contingent Mortuary Liabilities. 
Losses reported, not in process (number of claims, 2), . . $5,000 00 

Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

'3 $5,845,500 00 
528 1,304,500 00 



2,531 
231 


87,150,000 00 
608,000 00 


2,300 

1 
14 


^3,542,000 00 

$5,000 00 
33,000 00 


15 
13 


*33,000 00 



$5,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 214 §526,000 00 

Policies written during 1890, ..... 334 900,000 00 



Total, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



548 $1,426,000 00 
40 90,000 00 



508 $1,336,000 00 



* $248.49 compromised. 



1890.] 



OF OTHER STATES. 



273 



"THE UNITED STATES MUTUAL ACCIDENT ASSOCIATION OF 
THE CITY OF NEW YORK," NEW YORK, N. Y. 

[Incorporated March 11, 1884. Commenced business Nov. 3, 1877.] 

Charles B. Peet, President. James R. Pitcher, Secretary. 



Income during 1890. 

For membership fees, 

annual dues, . 

assessments, indemnity, $365,128 ; expense, $442,575, 

advance deposits, 

interest, 

Transferred from .emergency fund, 



$64,048 00 

4,0-16 00 

807,703 00 

34,998 64 

2,328 13 
45,000 00. 



Total income, . . . $958,123 77 

Balance on hand Dec. 31, 1889, 143,810 55 

Total, $1,101,934 32 

Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



$384,124 82 

158,778 23 

207,086 99 

16,364 74 

133,931 81 



Net or Invested Assets. 

Loans on morto-ao-es, 

Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 

Liabilities. 

Accounts payable, 
Advance assessments, 
Special deposits, 

Total actual liabilities, 

Balance, net assets, 



$6,000 00 
46,698 57 
36,035 94 



900,286 59 
$201,647 73 



$87,000 00 

11,837 47 

4,621 94 

2,682 21 

13,000 00 

82,506 11 

§201,647 73 
4,621 94 

$197,025 79 



88,734 51 
f 108,291 28 



274 



ASSESSMENT LIFE, ETC., COS. [Dec 



Contingent Mortuary Assets (or Resour< i 
Mortuary and indemDity assessments called 

and not yet due, $13,010 00 

Mortuary and indemnity assessments not yet 

called for losses unadjusted, $27,766.05; 

resisted, $23,000.00; and reported, $ 2 1,955.37, 72,721 42 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



$5,761 42 

3,000 00 



$82,101 42 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 33), $27,766 05 

Losses reported, not in process (number of 

claims, 125), 21,955 37 

Losses resisted (number of claims, 6), . . 23,000 00 

Total contingent mortuary liabilities, . 



r 21 42 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Num Amount. 

52,511 $251,313,750 00 
33,053 155,503,950 00 



85,." 00 

30,212 139,610,200 00 



55,382 $270,297,500 00 

$69,789 00 
387,056 00 



? 456,845 00 
384,124 00 

$72,721 00 



Business in Massachusetts during 1890 

Policies written during 1890, .... 
Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



4,152 
1,102 


$20,033,500 00 
5,080,000 00 


3,050 

132 
128 


$14,953,500 00 

$8,025 00 
3 00 



$172 00 



1890.] OF OTHER STATES. 275 



"WESTERN UNION MUTUAL LIFE SOCIETY OF THE UNITED 

STATES," DETROIT, MICH. 

[Incorporated Feb. 14, 1880. Commenced business March 3, 1880.] 

Wm. II. Brace, President. Lyman M. Thayer, Secretary. 

Income during 1890. 

For membership fees, $14,833 00 

annual dues, 51,005 55 

assessments, mortuary, 333,960 18 

interest, 2,U1 30 



Total income, $101,940 03 

Balance on hand Dec. 31, 1889, 54,925 14 



Total, $456,865 17 

Disbursements during 1890. 

For losses and claims (61 deaths), . . . $327,500 00 

advances returned, 295 66 

salaries and commissions to agents, . . 44,688 72 

salaries of office employees, . . . 8,302 92 

medical examiner's fees, .... 2,255 00 

Allother, . \ . 10,459 51 

Total disbursements, .... 393,501 81 

Balance, $ 63,363 36 

Net or Invested Assets. 
Cash deposits. on emergency or reserve fund account, . . f 55,390 34 
Cash in bank 7,973 02 



Total net or invested assets, $63,363 36 

* Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $89,421 48 

Mortuary assessments due and unpaid, . . 195 84 
Mortuary assessments not yet called for losses 

unadjusted 29,807 16 

Total due from members, . . . $119,424 48 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 8), $35,000 00 

Losses resisted (number of claims, 2), . . 15,000 00 

Total contingent mortuary liabilities, . $50,000 00 



27G 



ASSESSMENT LIFE, ETC., COS. [Dec.31,'90. 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, # 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

5,595 
689 8335,000 00 


6,2<sl 
1,569 


£31,967,.v 

■0 00 


4,712 $23,972,.y 

9 |55,000 00 
62 822 


71 
61 


327,500 


10 


|5O,OO0 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses incurred during 1890, . 
Losses and claims unpaid Dec. 31, . 



Number. 

145 
120 


Amount. 

00 


265 
27 


11^530,000 00 

132,500 00 


238 

1 

1 


$1,397,500 00 

$5,000 00 

00 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



FROM THEIR ANNUAL RETURNS, DEC. 31, 1890. 



SUMMARY OF STATEMENTS EECEIVED. 



MASONS 1 FRATERNAL ACCIDENT ASSOCIATION, WESTFIELD. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provin, President. J. A. Lakin, Secretary. 

Income during 1890. 



For membership fees, 
annual dues, 
assessments, accident, 
advances to agents repaid, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$36,115 00 

26,719 20 

57,657 86 

2,968 80 

1,280 10 

$124,740 96 
13,095 40 

$137,836 36 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, . ' 

Total disbursements, 



Balance, 



,144 04 

41,281 26 

16,936 55 

158 00 

8,355 32 



116,875 17 



20,961 19 



Net or Invested Assets, 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash deposits on emergency or reserve fund account, 

Total net or invested assets, .... 



§2,280 00 

447 28 

18,233 91 

§20,961 19 



Liabilities. 



Advance assessments, 
Commissions, . 

Total actual liabilities, . 

Balance, net assets, 



$2,700 00 
1,131 75 



3,831 75 

.7,129 44 



280 



FRATERNAL BENEFICIARY [Dec 31 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Homl Amount. 

i) 00 
7,223 80,775,250 00 



14^29 $60,550,750 00 

4,141 17//.' 2 



10,088 $42,951,500 00 

$50,144 00 
1,144 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,265 | 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



417 1,772,250 00 



2 $11,398,* 

5 3,081,250 00 



1,957 $8,317,250 00 

$8,984 00 
8,984 00 



ODD FELLOWS 1 FRATERNAL ACCIDENT ASSOCIATION OF 
AMERICA, WESTLTELD. 

[Incorporated April 12, 18S7. Commenced business May 4, 1887.] 

James Noble, Jr , President. H. N. Kingsbury, Secretary. 



Income during 1890. 



For membership fees, 
annual dues, 
mortuary assessments, 

Total income, . 
Balance on hand Dec. 31, 1889, 

Total, . 



$19,615 00 
16, 

.' 10 

$70,603 15 
8 46 

$78,071 61 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 

All other, 

Total disbursements, 

Balance, 



831,089 25 

27,515 07 

5,732 75 

3,496 97 



67,834 04 
$10,237 57 



1890.] 



ASSOCIATIONS. 
Net or Invested Assets. 



Cash in office, 

deposits on emergency or reserve fund account, 
in bank, . 



Total net or invested assets, . 

Total Business of 1890. 

Policies in force at beginning of year, 
Policies written during 1890, . 



281 



$7,229 85 
1,000 00 
2,007 72 

$10,237 57 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 




5,656 $16,089,800 00 


4,109 


11,061,000 00 


9,765 $27,750,800 


00 


3,285 


7,728,150 


00 


6,480 


$20,022,650 


00 


1 


$5,000 00 


511 


31,089 


00 


512 


§36,089 


00 


511 


' 31,089 


00 



$5,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 3,080 $9,128,550 00 

Policies written during 1890, 607 1,9 10,250 00 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



3,687 $11,038,800 00 
897 2,511,000 00 



790 


$8,527,800 


00 


160 


$10,215 


00 


160 


10,215 


00 



AMERICAN LEGION OF HONOR, BOSTON. 

[Incorporated March 11, 1879. Commenced business Dec. 18, 1878.] 

Enoch S. Brown, President. Adam Waknock, Secretary. 

Office, 20 Beacon Street. 

Income during 1890. 



For membership fees, 

annual dues, 

assessments, mortuary 

interest, 
All other, . 

Total income, . 
Balance on hand Dec. 31, 1889, 

Total, . 



$6,850 25 

15,855 74 

2,541,323 34 

16,084 49 

15,463 53 

12,595,577 35 

532,883 39 

^3,128,460 74 



282 



FRATERNAL BENEFICIARY [Dec. 31, 



Disbursements during 1890. 



For losses and claims, 

losses and claims (sick benefits), 
salaries of officers and employees, 

All other, 

Total disbursements, 



Balance, 



$2,379,000 00 

93,324 09 

18,389 76 

18,819 45 



$618,927 44 



Net or Invested Assets. 

Cost of real estate, 

Cost value of bonds and stocks owned, . 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, .- 



Total net or invested assets, . 



$21,OC0 00 

324,881 43 

1,532 25 

177,157 12 

94,290 04 

$618,927 44 



* Liabilities. 

Losses adjusted, due and unpaid, 

Borrowed money, 

Total actual liabilities, . 

Balance, net assets, 



$26,000 00 
5,000 00 



31,000 00 
$587,927 44 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

02,457 $176,184,500 00 

5,011 12,522,500 00 

67,468 $188,7 7. 1 "00 

4,894 12,183,500 00 

62,574 $176,523,500 00 



20 
817 



837 
825 

12 



$55,000 00 
>,000 00 

5,000 00 
2,379,000 00 



$26,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 5,379 f 15,439,500 00 
Policies written during 1890, 215 473,000 00 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890,. 



5,594 § 15,912,500 00 
267 587,000 00 



5,327 §15,325,500 00 



1890.] ASSOCIATIONS. 283 

Number. Amount. 

Losses and claims unpaid Dec. 31, 1889, ... 1 $500 00 

Losses and claims incurred during 1890, ... 50 128,000 00 



Total, 51 $128,500 00 

Losses and claims paid during 1890, ... 51 128,500 00 



"SUPREME UNION OF THE EQUITABLE AID UNION," 

COLUMBUS, PA. 

[Incorporated March 22, 1889. Commenced business April 25, 1889.] 

R. N. Seaver, President. W. Ed. Marsh, Secretary. 

Income during 1890. 

For annual dues, $21,249 12 

mortuary assessments, 556,174 15 

medical examiner's fees paid by applicant, . . . 378 50 

All other, 4,470 56 



Total income, $582,272 33 

Balance on hand Dec. 31, 1889, 18,225 06 



Total, $600,497 39 



Disbursements during 1890. 



For losses and claims, .... 

Returned to grand unions, 

For salaries of officers and employees, . 

All other, 

Total disbursements, 



$565,338 83 

4,256 05 

12,976 53 

12,556 92 



595,128 33 



Balance, $5,369 06 

Net or Invested Assets. 

Cash deposits on emergency or reserve fund account, . . $3,633 13 

Cash in bank, 1,735 93 



Total net or invested assets, $5,369 06 

Liabilities. 
Losses adjusted, due and unpaid, 1,250 00 



Balance, net assets, $4,119 06 



284 



FRATERNAL BENEFICIARY [Dec. 31, 



Contingent Mortuary Assets (ob Resources). 

Mortuary assessments called and not yet due, $112,448 85 
Mortuary assessments not yet called for losses 

unadjusted, 21,864 15 

Total due from members, . . . $134,313 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 85) , 



. 8134,313 00 



Total Business of 

Policies in force at beginning of year, . 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



1890. 



Number. Amount. 

27,072 $46,181,815 00 
8,424 14,051,2. 



36,496 160,283,047 00 
3 6,273,040 00 



32,933 153,960,007 00 

60 $103,196 00 
368 597,705 00 



428 1 00 
342 565,338 00 



86 $135,563 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 1,064 f 1,834,535 00 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



131 223,800 00 



1,195 §2,058,335 00 
181 342,717 00 



1,014 $1,715,618 00 

9 $14,037 00 
6 12,000 00 



Losses and claims unpaid Dec. 31, 



3 



12,037 00 



1890.] 



ASSOCIATIONS. 



285 



"SUPREME COMMANDERY UNITED ORDER OF THE GOLDEN 
CROSS OF THE WORLD," KNOXVILLE, TENN. 

[Incorporated July 4, 1876. Commenced business July 4, 1876.] 

Fessenden I. Day, President. W. R Cooper, Secretary. 



Income during 1890. 

For benefit certificates, 

annual clues, ...... 

assessments, mortuary, .... 

medical examiner's fees paid by applicant, 
All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$3,329 00 

7,694 59 

301,642 24 

1,817 50 

1,235 78 

$315,719 11 
9,157 73 

$324,876 84 



Disbursements during 1890. 

For losses and claims, $293,342 95 

salaries of officers and employees, . . 7,073 23 

medical examiner's fees, .... 1,817 50 

All other, 4,G32 26 

Total disbursements, .... 



Balance, 
Cash in office, 



Net or Invested Assets. 



Liabilities. 

Salaries, rents and office expenses due and accrued, 

Balance, net assets, 

Contingent Mortuary Assets (or Resources), 
Mortuary assessments called and not yet due, . $19,335 00 
Mortuary assessments due and unpaid, . . 13,859 70 

Mortuary assessments not yet called for losses 

unadjusted, $5,790.00 ; reported, $14,750.00, . 20,540 00 
Net amount due from members, . . 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 6), $9,125 00 

Losses in process of adjustment (number of 

claims, 10), 14,750 00 

Total contingent mortuary liabilities, . 



306,865 94 
$18,010 90 

$18,010 90 

799 87 
§17,211 03 



$53,734 70 



$23,875 00 



286 



FRATERNAL BENEFICIARY [Dec. 31, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



Nurii unt. 

15,519 123,672,000 00 

3,128 4,692,000 00 



18,647 |2* 
1,254 1,881,01 



17,393 $26,483,000 00 



Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



23 
167 


$3- 
290,00' 


190 
*173 


$328,500 00 


17 


"5 00 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

531 746,500 00 



6,060 $8,964,500 00 
409 613,500 00 



5,651 

17 
62 


'.1 ,000 00 

$26,500 00 
^,000 00 


79 
75 


£134,500 00 
119,919 00 


4 


?14,581 00 



* Compromised, $11,2*3.00. 



1890.] ASSOCIATIONS. 287 



SUPREME ASSEMBLY ROYAL SOCIETY OF GOOD FELLOWS, 

BOSTOX. 

[Incorporated 1887. Commenced business April, 1882.] 

James Gr. Wiiiteiiouse, President. Darius Wilson, Secretary. 

Office, 180 Summer Street. 

Income during 1890. 

• 

For membership fees, $2,828 00 

annual dues, 11,077 35 

assessments, mortuary, $324,591.79; expense, $8,955 98, 333,547 77 

medical examiner's fees paid by applicant, . . . 2,314 00 

Borrowed money, 7,000 00 

All other, . 3,515 18 



Total income, $360,282 30 

Balance on hand Dec. 31, 1889, 7,198 92 



Total, $367,481 22 



Disbursements during 1890. 

For losses and claims (123 deaths), . . . $322,462 48 

salaries of officers and employees, . . 8,768 27 

medical examiner's fees, . . . . 2,314 00 

All other, 20,010 14 

Total disbursements, 



Balance, 



353,554 89 
$13,926 33 



Net or Invested Assets. 
Cash in office, $13,926 33 

Non-invested Assets. 
Stock on hand and fixtures, 4,600 00 



Gross assets, $18,526 33 

Liabilities. 

Losses adjusted, due and unpaid, . . . $8,000 00 
Salaries, rents and office expenses due and 

accrued, . % 500 00 

Borrowed money, 4,500 00 

Bills payable, 1,318 73 

Total actual liabilities, .... 14,318 73 



Balance, net assets, $4,207 60 



288 



FRATERNAL BENEFICIARY [Dec. 31, 



Contingent Mortuary Assets (or Re£OUR< es). 
Mortuary assessments for resisted losses, .... $20,00000 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 20), $52,000 00 

Losses in process of adjustment (number of 

claims, 2) 2,0' 

Losses resisted (number of claims, 7), . .. 20,00' I 

Total contingent mortuary liabilities, . 



- 



Total Business of 1890 



Policies in force at beginning of year, . 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims inclined during 1890, . 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Nunil Amount. 

00 00 
1,157 2,416.000 00 



16,380 811.7: 
3,296 



10 00 



37 

117 


- 
s,000 00 


154 
123 


$407,000 00 


31 


$82,000 00 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31 , 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 



Number. Amount. 

8,450 $21,688,000 00 
477 946,000 00 



8,927 $2: - 00 
2.102 5,499,000 00 



-5,000 00 



21 



$55,00' 



64 150,000 00 



So $205,000 00 
69 171,900 00 



Losses and claims unpaid Dec. 31, . 



16 $33,100 00 



1890.] 



ASSOCIATIONS. 



289 



SUPREME COUNCIL OF THE HOME CIRCLE OF MASSACHU- 
SETTS, BOSTON. < 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

Edward Page, President. Julius M. Swain, Secretary. 

Office, 5 Pemberton Square. 



Income during 1890. 



For assessments, mortuary, 

For interest, 

All other, .... 



$137,305 04 

290 44 

5,960 46 



Total income, $143,555 94 

Balance on hand Dec. 31, 1889, 6,408 63 



Total, $149,964 57 

Disbursements during 1890. 

For losses and claims, $139,000 00 

For salaries of officers and employees, . . 3,247 00 

All other, 2,486 79 

Total disbursements, .... 144,733 79 



Balance, 
Cash in office, 



Net or Invested Assets. 



$5,230 78 
$5,230 78. 



Non-invested Assets. 

Bills receivable, $241 95 

Supplies on hand, 700 00 

Total noh -invested assets, .... 



941 95 



Gross assets, 



Liabilities. 
Losses adjusted, due and unpaid, 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments called and not yet due, 

Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



$6,172 73 
$32,000 00 
$16,200 00 



Number. Amount. 

5,721 $14,062,000 00 
590 1,021,000 00 



6,311 $15,083,000 00 
355 827,500 00 



5,956 $14,255,500 00 # 



290 



FRATERNAL BENEFICIARY [Dec. 31 , 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

65 

44 



Amount. 

$165,000 00 



11 $32,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,664 $6,352,000 00 

Policies written during 1890, 267 422,000 00 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



2,931 £6,774,00' 
145 310,500 00 



2,786 $6,463,500 00 

17 $36,500 00 
14 



00 



"SUPREME LODGE KNIGHTS OF HONOR/ 1 ST. LOUIS, MO. 

[Incorporated Jan. 1, 1874. Commenced business Jan. 1, 1373.] 

A. R. Savage, President. B. F. Nelson, Secretary. 

Income during 1890. 
For membership fees, 



annual dues, 
assessments, 
interest, 
All other, . 



Total income, . 
Balance on hand Dec. 31, 1889, 



$25,374 30 
33,447 91 

3,483,981 87 
4.107 32 
6,293 80 

$3,553,535 20 
24.638 54 



Total, $3,578,173 74 



Disbursements during 1890. 



For losses and claims, 

mileage and per diem, 

salaries of officers and employees, 

attorney's fees, .... 

All other, 

Total disbursements, 



$3,482,000 00 

11,688 20 

20,233 00 

3,139 25 

20,926 31 



3,537,986 76 



Balance, * $40,186 98 



1890.] 



ASSOCIATIONS. 



291 



Net or Invested Assets. 
Cash in bank, $40,186 98 



Non-invested Assets. 

Accounts receivable, $2,686 23 

Supplies on hand, 1,702 66 

Office furniture, 6,168 70 

Total non-invested assets, . . . 



10,557 59 



Gross assets, $50,744 57 



Liabilities. 



Bills payable, . 

Balance, net assets, 



128 46 



$50,616 11 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $280,673 12 
Mortuary assessments due and unpaid, . . 5,626 51 

Mortuary assessments not yet called for losses 

unadjusted, 280,836 09 

Total due from members, . . . $567,135 72 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 260), $514,000 00 

Losses in process of adjustment (number of 

claims, 27), 50,500 00 

Total contingent mortuary liabilities, . $564,500 00 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec 31, 1890,. 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 



Number. Amount. 

131,753 $256,045,000 00 
12,062 20,436,000 00 



143,815 $276,481,000 00 
8,603 16,142,500 00 



135,212 $260,338,500 00 

121 $236,000 00 
1,946 3,810,500 00 



2,067 $4,046,500 00 
1,780 3,482,000 00 



Losses and claims unpaid Dec. 31, . 



287 $564,500 00 



292 



FRATERNAL BENEFICIARY [Dec. 31, 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies iiT force at beginning of year, . . 10,311 $20,335,000 00 

Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



385 



643,500 00 



10,096 $20,978,500 00 
541 1,165,500 00 ' 



10,155 $19,813,000 00 

22 $44,000 00 
117 231,000 00 



139 $275,000 00 
122 241,000 00 



17 



$34,0' 



"SUPREME LODGE KNIGHTS AND LADIES OF HONOR/' 

INDIANAPOLIS, IND. 

[Incorporated April 5, 1878. Commenced business Sept. 19, 1878.] 

Jno. T. Milburn, President. C. W. IIakvev, Secretary. 

Income during 1890. 

For membership fees, $10,802 00 

annual dues, 21,251 23 

mortuary assessments, 821,653 60 

medical examiner's fees paid by applicant, . . . 3,902 50 

Allother, 5,311 79 



Total income, $862,921 12 

Balance on hand Dec. 31, 1889, 20,186 19 



Total, $883,107 31 



Disbursements during 1890. 



For losses and claims, 

salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



$830,666 67 

13,301 32 

3,902 50 

17,447 45 



865,317 94 



Balance, . 



$17,789 37 



1890.] 



ASSOCIATIONS. 



293 



Net or Invested Assets. 

Cash in office, 

Supplies and office fixtures, 



Total net or invested assets, . 
Less depreciation, . 



Total net or invested assets, . 



$12,545 38 
5,243 99 

$17,789 37 
595 86 

$17,193 51 



Non-invested Assets. 



Accounts receivable, 



2,750 82 



Gross assets, $19,944 33 



Liabilities. 
Losses adjusted, due and unpaid, 



18,333 33 



Balance, net assets, 



$1,611 00 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $99,000 00 
Mortuary assessments due and unpaid, . . 66,154 40 

Total due from members, . . . $165,154 40 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 

94,), $114,500 00 

Losses in process of adjustment (number of 

claims, 46), ; 67,000 00 

Total contingent mortuary liabilities, . 



Total Business of 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



LCO, 

S OF 


1890. 

Number. Amount. 

. 52,980 $64,250,500 00 
9,655 12,034,500 00 


. 62,635 $76,285,000 00 
3,755 4,253,000 00 


. 58,880 $72,032,000 00 

71 $90,000 00 
764 940,500 00 


835 $1,030,500 00 
680 830,666 00 


155 §199,834 00 



294 



FRATERNAL BENEFICIARY [Dec. 31, 



Business in Massachusetts dukj 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during I 



Total, . . . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


2,241 


11,500 00 


47 





2,288 

.00 


19,000 00 

54,<» 


2,238 

2 
26 


$2,4'.' 

$2,000 
SI, 


28 


$3:;. 
31,000 00 



K) 00 



ROYAL CONCLAVE OF KNIGHTS AND LADIES, BOSTON. 

[Incorporated Dec. 14, 1887. Commenced business Jan. 1, 1888.] 

George R. Kelso, President. Benjamin F. Spellman, Secretary. 

Office, 43 West Street. 

[ncome during 1890. 

For membership fees, $3,654 00 

annual dues, 1.709 00 

assessments, mortuary, $11,825.78 ; expense, $6,243.07, . -i> 

medical examiner's fees paid by applicant, 

borrowed money, » 00 

All other, 1,18 

' Total income, . - '42 

Balance on hand Dec. 31, 1889, 7,50158 

Total, 



Disbursements during 1890. 



For losses and claims, 

losses and claims (sickness), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
borrowed money repaid, 

All other, .... 
Total disbursements, 

Balance, . 



$33,836 45 

15,144 00 

9 95 

4,098 98 

2.719 50 

900 00 

5,040 81 



'9 69 

■2 31 



1890.] 



ASSOCIATIONS. 



295 



Net or Invested Assets. 



Cash in bank, 



$562 31 



Non-invested Assets. 
Office furniture, supplies, etc., .... 



Gross assets, 



1,584 45 



$2,146 76 



Liabilities. 

Losses adjusted, due and unpaid, . . . $17,292 00 
Salaries, rents and office expenses due and 

accrued, 300 00 

Borrowed money, 500 00 

All other (not including contingent mortuary), 800 00 

Total actual liabilities, .... 



Balance, deficit, 



18,892 00 



$16,745 24 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $6,000 00 

Mortuary assessments due and unpaid, . . 100 00 

Total due from members, . . . 



1,100 00 



Contingent Mortuary Liabilities. 
Losses resisted (number of claims, 1), . 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 



$976 00 



Number. Amount. 

2,024 $4,726,000 00 
1,034 1,841,000 00 



3,058 $6,567,000 00 
786 1,671,000 00 



2,272 $4,896,000 00 

1 $3,000 00 

25 59,000 00 



26 $62,000 00 
17 43,000 00 



Losses and claims unpaid Dec 31, . 



9 $19,000 00 



296 FRATERNAL BENEFICIARY [Dec. 31, 



"THE SUPREME LODGE KNIGHTS OF PYTHIAS OF THE 
WORLD" (ENDOWMENT BANK), CHICAGO, ILL. 

[Incorporated Oct. 5, 1875. Commenced buainesB Nov. 1, 1877.] 

J. A. IIinsey, President. W. B. Kennedy, Secretary. 

Income during 1890. 

For membership fees, $7,9GG 00 

assessments, mortuary, 653,394 20 

interest, 5,1 22 03 

All other, 1,108 75 

Total income, £007,051 58 

Balance on hand Dec. 31, 1889, . . . . . . 92/JU7 15 

Total, $700,558 73 

Disbursements during 1890. 

For losses and claims, $555,096 00 

For salaries of officers and employees, . . 7,150 99 

All other, 20,953 24 

Total disbursements, .... 583,200 23 

Balance, £ 177,358 50 

Net or Invested Assets. 
Cash in bank, $177,358 50 

NON-INYESTED ASSETS. 

Interest accrued, 4.232 07 

Gross assets, £181,590 57 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments due and unpaid, $10,363 60 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 5), $13,000 00 

Losses reported, not in process (number of 

claims, 36), 84,000 00 

Losses resisted (number of claims, 4), . . 9,000 00 

Total contingent mortuary liabilities, . ■$ 106,000 00 



1890.] 



ASSOCIATIONS. 



297 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Deo. 31, . 



Number. 

20,635 
3,889 

24,524 
1,023 



Amount. 

$44,308,321 00 
8,058,000 00 



$52,366,321 00 
2,095,936 00 



23,501 $50,270,385 00 



32 
272 



$72,800 00 
588,296 00 



304 f661,096 00 
259 555,096 00 

45 $106,000 00 



Business in Massachusetts during 1890. 

Number. 

585 
21 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



606 
13 



Amount. 

,071,142 00 
31,000 00 

[,102,142 00 
23,031 00 



593 $1,079,111 00 



$13,000 00 
13,000 00 



NEW ENGLAND ORDER OF PROTECTION, BOSTON. 

[Incorporated Nov. 12, 1887. Commenced business Nov. 17, 1887.] 

John J. Whipple, President. Edward L. Noyes, Secretary. 

Office, 43 Milk Street. 

Income during 1890. 

For membership fees, $6,116 00 

annual dues, . 26,332 00 

assessments, mortuary, 95,851 20 

medical examiner's fees paid by applicant, . . . 4,244 00 

rent, 200 00 

All other, 775 98 

Total income, $13-V)1<> 18 

Balance on hand Dec. 31, 1889, 27,337 65 

Total, §160,856 83 



298 



FRATERNAL BENEFICIARY [Dec. 31, 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



1101,000 00 
1,908 00 
4,610 67 
2,142 00 
6,762 77 



$116,423 44 
^44,4.i:j 39 



Net or Invested Assets. 
Cash deposits on emergency or reserve fund account, 
Held by subordinate bodies, 

Total net or invested assets, .... 



42,177 44 
144,433 39 



Liabilities. 
Losses adjusted, due and unpaid, 

Balance, net assets, 



6,000 00 
|38,433 39 



Total Business ok 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

7,265 $13,899,000 00 
2,142 4,034,01 



9,407 

529 


f 17,933,000 00 
996,000 00 


8,878 $16,937,000 00 

3 $8,000 00 
50 99,000 00 


53 

49 


$107,000 00 

101,000 00 



$6,000 00 



Business in Massachusetts during 1890. 

Number. 

Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 



Amount. 

4,362 $8,545,000 00 
1,049 2,074,000 00 



5,411 $10,619,000 00 
315 553,000 00 


5,096 $10,066,000 00 

3 $8,000 00 
18 38,000 00 



21 
•21 



?46,000 00 
46,000 00 



1890.] 



ASSOCIATIONS. 



299 



NORTHERN MUTUAL RELIEF ASSOCIATION", BOSTON. 

[Incorporated Sept. 19, 1883. Commenced business Sept. 22, 1883.] 

Alfred L. Barbour, President. Walter Wright, Secretary. 

Office, 10 Tremont Street. 



Income during 1890. 

For annual dues, 

assessments, mortuary, .... 

medical examiner's fees paid by applicant, 

interest, 

borrowed money, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$2,162 30 

36,629 96 

417 00 

36 72 

300 00 

1,134 85 

$40,680 83 

1,499 82 

$42,180 65 



Disbursements during 1890. 



For losses and claims, 

salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, . . . 



$36,272 50 

2,100 00 

417 00 

2,677 70 



41,467 20 



13 45 



Net or Invested Assets. . 
Cash deposits on emergency or reserve fund account, . 



$713 45 



Liabilities. 



Borrowed money, 

Balance, net assets, 



300 00 



$413 45 



Total Business of 1890. 



Policies in force at beginning of year, . 
Policies written during 1890, . 

Total, . . . 
Policies ceased during 1890, 



Number. Amount. 

1,757 $2,922,260 00 
278 472,500 00 



2,035 $3,394,760 00 
194 333,852 00 



Policies in force Dec. 31, 1890, 



1,841 $3,060,908 00 



300 



FRATERNAL BENEFICIARY [Dec. 31, 



Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



dumber. 


Amount. 


2 




16 


27,000 00 



18 
16 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Business in Massachusetts duking 1890. 

Number. 

Policies in force at beginning of year, 
Policies written during 1890, . 



Total 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total 

Losses and claims paid during 1890, 



1,213 
213 



1,426 
176 



>30,820 00 

26,920 00 

$3,900 00 



Amount. 

fl,9S! 

356,500 00 

•0,175 00 
295,150 00 



1,250 

2 

10 


$1,995,025 00 

13,820 00 
15,100 00 


12 
12 


$18,92' 

20 00 



SUPREME COLONY UNITED ORDER OF THE PILGRIM FATIIE: 

LAWRENCE. 

[Incorporated March 15, 1879. Commenced business March, 1879.] 

Moses P. Brown, President. James E. Shepard, Secretary. 

Income during 1890. 

For annual dues, per capita tax, 71 

assessments, mortuary, 177,895 09 

medical examiner's fees paid by applicant, 

interest, 142 04 

All other, 2.249 35 

Total income, $191,113 94 

Balance on hand Dec. 31, 1889, 8,258 20 

Total, $199,372 14 

Disbursements during 1890. 

For losses and claims (100 deaths),. . . $178,000 00 

over payments returned, .... 170 80 

salaries of officers and employees, . . 2,550 00 

medical examiner's fees, . . . . 2,123 

rent, 167 50 

All other, 6,688 89 

Total disbursements, .... 189,700 94 

Balance, 



1890.] 



Cash in office, 
Cash in bank, 



ASSOCIATIONS. 

Net or Invested Assets. 



Total net or invested assets, 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, . f 28,800 00 
Mortuary assessments not yet called for 

losses unadjusted, 14,400 00 

Total due from members, . . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 17), $31,000 00 

Losses resisted (number of claims, 1), . . 2,000 00 

Total contingent mortuary liabilities, . 



301 



$603 06 
9,068 14 

$9,671 20 



$43,200 00 



§33,000 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unj)aid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

11,357 $20,259,000 00 
1,610 2,415,000 00 



12,967 $22,674,000 00 
524 911,000 00 



12,443 $21,763,000 00 

18 $33,000 00 
100 178,000 00 

118 $211,000 00 
100 178,000 00 

18 $33,000 00 



SUPREME COUNCIL OF THE ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

L. R. Watts, President. W. O. Robson, Secretary. 

Office, 55 Kilby Street. 



Income during 1890. 
For benefit certificates, .... 

annual dues, 

mortuary assessments, 

medical examiner's fees paid by applicant, 

interest and rent, .... 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 

Total, . 



$34,388 50 

35,009 17 

2,803,059 96 

42,005 00 

6,094 07 

14,273 85 

$2,934,830 55 
180,778 19 

$3,115,608 74 



302 



FRATERNAL BENEFICIARY [Dec. 31, 



Disbursements during 1890. 



For losses and claims, .... 

instituting councils, .... 

official visits, 

salaries of officers and employees, 

medical examiner's fees, . 

rent, 

mileage and per diem, supreme council, 

All other, 

Total disbursements, 



$2,717,302 20 
9,912 90 
2,348 41 

27,647 

42,005 
2,74 
9,774 80 

28,204 96 



$2,839,8; 



Balance, $275,763 47 



Net or Invested Assets. 

Cost value of bonds and stocks owned, $10,349 11 

Cash in office, 857 45 

Cash deposits on emergency or reserve fund account, . . 264,556 91 



Total net or invested assets, . 
Less depreciation, .... 



Total net or invested assets, . 



. | 47 

9 11 



. $275,254 36 



Non-invested Assets. 



Bills receivable, 
Interest due, 
Rents due, . 
Supplies on hand, 
Office fixtures, . 
Per capita tax due, 

Total non-invested assets, 



$4,424 97 

1,227 14 

37 33 

2,036 04 

1,700 00 

18,750 15 



28,175 03 



Gross assets, 8303,429 99 



Liabilities. 



Losses adjusted, due and unpaid, 
Due councils, .... 
Total actual liabilities, . 



?37,500 00 
408 36 



37,908 36 



Balance, net assets, 



$265,521 63 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $ 196,646 54 
Mortuary assessments due and unpaid, . . 968 31 

2sct amount due from members, . . $197,61- 



1890.] 



ASSOCIATIONS. 



303 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 10), $30,000 00 

Losses reported, not in process (number of 

claims, 59), 177,000 00 

Losses resisted (number of claims, 6), . . 18,000 00 

Total contingent mortuary liabilities, . $225,000 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

97,993 $288,471,000 00 
16,802 48,696,000 00 



114,795 $337,167,000 00 
3,429 9,963,000 00 



111,366 $327,204,000 00 

23 $68,550 00 
928 2,737,500 00 



951 $2,806,050 00 
923 2,720,550 00 



28 



$85,500 00 



Business in Massachusetts during 1890. 

Number. 

Policies in force at beginning of year, . . . 11,807 
Policies written during 1890, 1,144 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 



12,951 
317 



Amount. 

$35,038,500 00 
3,324,000 00 

$38,362,500 00 
930,000 00 



12,634 $37,432,500 00 

3 $9,000 00 

97 285,000 00 



100 $294,000 00 
96 282,000 00 



Losses and claims unpaid Dec. 31, . 



$12,000 00 



304 FRATERNAL BENEFICIARY [Dec. 31, 

ORDER OF SCOTTISH CLANS, BOSTON. 

[Incorporated May 11, 1889. Commenced business May 11, 1889.] 

James Sutherland, President. Peter Kerr, Secretary, 

Office, Boylston Building. 

Income during 1890. 

For annual clues, $875 00 

For assessments, mortuary, $12,986.05; expense, $2,623 50, . 4. 

All other, i 42 

Total income, $48,820 97 

Cash on hand May 11, 1889, 1,63:3 53 

Total, $50,454 50 

Disbursements during 1890. 
For losses and claims (26 deaths), . . . $41,644 56 
For salaries of officers and employees, . . 1,100 00 

All other, 3,999 15 

Total disbursements, .... 46,743 71 

Balance, $3,7 10 

Xet or Invested Assets. 
Cash deposits on emergency or reserve fund account, . . $3,710 79 

Liabilities. 
Losses adjusted, due and unpaid (3), 2,500 00 

Balance, net assets, $1,210 79 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, £4,400 00 
Mortuary assessments not yet called for losses 

unadjusted, 6,600 00 

Total due from members, . . . $11,000 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), $4,000 00 

Losses in process of adjustment (number of 

claims, 3), 5,000 00 

Total contingent mortuary liabilities, . $9,000 00 



1890.] 



ASSOCIATIONS. 



305 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, 



Number. Amount. 

2,337 $3,761,500 00 
1,144 1,188,000 00 



3,481 $4,949,500 00 
316 521,000 00 



3,135 $4,428,500 00 

5 $7,500 00 
29 48,500 00 



34 $56,000 00 
26 44,500 00 



8 $11,500 00 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, . 



Number. 

592 
189 


Amount. 

$984,500 00 
166,000 00 


781 
49 


$1,150,500 00 
52,000 00 


732 

9 

7 


$1,098,500 00 

$15,000 00 
11,500 00 



;,500 oo 



"IMPERIAL COUNCIL ORDER OF UNITED FRIENDS," 
POUGHKEEPSIE, N. Y. 

[Incorporated 1881. Commenced business Dec. 2, 1881.] 

J. B. Brayton, President. O. M. Shedd, Secretary. 

Income during 1890. 

For annual dues, $5,871 58 

mortuary assessments, 487,348 28 

medical examiner's fees paid by applicant, . . . 927 15 

interest, 160 00 

All other, ■ . 4,651 20 

Total income, $498,958 21 

Balance on hand Dec. 31, 1889, 11,56119 

Total, $510,519 40 



306 



FRATERNAL BENEFICIARY [Dec. 31, 



Disbursements during 1890. 



For losses and claims, 

salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



Balance, 



$191,500 00 

5,800 00 

927 15 

4,G75 34 



2,902 49 
$7,G16 91 



Net or Invested Assets. 
Cash deposits on emergency or reserve fund account, . 



$7,610 91 



Contingent Mortuary Assets (or Re&)UR4 ; 

Mortuary assessments called and not yet due, . . . $41,262 25 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 24), $ 35,000 00 

Losses in process of adjustment (number of 

claims, 3), 5,000 00 

Total contingent mortuary liabilities, . 



$40,000 00 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

22,503 
2,244 

24,747 
2,404 



Amount. 

£40,890,000 00 
3,309,000 00 

.199,000 00 
3 1,000 00 



22,343 $39,568,000 00 

32 $61,000 00 

288 531,500 00 

320 $592,500 00 

247 491,500 00 

73 $101,000 00 



Business in Massachusetts during 1890. 

Number. 

Policies in force at beginning of year, 
Policies written during 1890, . 



Total 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



Amount. 

2,612 fo,388,000 00 
158 275,000 00 



2.770 ?6,663,0C0 00 
416 1,874,000 00 



2,354 $4,789,000 00 



1890.] 



ASSOCIATIONS. 



307 



Losses and claims unpaid Dec 31, 1889, . 
Losses and claims incurred during 1890, . 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


5 


$3,000 00 


44 


85,000 00 



49 
44 



$88,000 00 
85,000 00 

$3,000 00 



GRAND LODGE ANCIENT ORDER OF UNITED WORKMEN, 

BOSTON. 

[Incorporated Feb. 9, 1883. Commenced business Feb. 25, 1879.] 

John C. Bickford, President. Hugh Doherty, Secretary. 

Office, 120 Tremont Street. 



Income during 1890. 

For annual dues, 

assessments, mortuary, .... 

benefit certificates, 

All other, 



$17,532 25 

197,378 00 

4,295 00 

765 53 



Total income, . . . $219,970 78 

Balauce on hand Dec. 31, 1889, 13,784 48 



Total, $233,755 26 



Disbursements during 1890. 



For losses and claims, 

Paid supreme lodge, .... 

For salaries of officers and employees, 

rent, 

printing, 

All other, 

Total disbursements, 

Balance, 



$204,000 00 

2,505 00 

4,702 50 

620 00 

2,157 89 

14,299 05 



228,284 44 
$5,470 82 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, . 



$2,970 82 
2,500 00 

$5,470 82 



Liabilities. 



Losses adjusted, due and unpaid, 



$16,000 00 



308 



FRATERNAL BENEFICIARY [Dec. 31, 



Total Business of 1800. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1890, 



Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 

Business in Massachusetts 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

16,543 

4,2.02 

20,79.0 
285 



Amount. 

183,086,000 00 
8,504,000 00 

141,590,000 00 

570,000 00 



20,510 $41,020,000 00 



4 

10G 



|8,000 00 
212,000 



110 

102 



§220,000 00 

204,00" 



8 


f 16,000 00 


QW3 1890. 




Number. 


Amount. 


8,640 |17,28 . 


2,599 


5,198,000 00 



. 11,2:39 
127 



$22,478,000 00 
254,000 00 



. 11,112 §22,224,000 00 



43 
40 



$86,000 00 
80,000 00 

|6,000 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION. 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Oct. 15, 1877.] 

Ephraim Stearns, President. Walter P. Tilton, Seer- 

Office, 32 Haicley Street. 

Income during 1890. 

For membership fees, $355 00 

annual dues, 3,433 00 

assessments, mortuary, 51,422 00 

interest, 180 71 

All other, 931 03 

Total income, $56,321 74 

Balance on hand Dec. 31, 1889, 23,013 03 

Total, §79,334 77 



1890.] 



ASSOCIATIONS. 



309 



Disbursements during 1890. 



For losses and claims, 

Returned to applicants, 

For salaries of officers and employees, 

For medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, 



$51,000 00 




10 00 




1,500 00 




9 75 




1,025 97 






$53,545 72 

$25,789 05 





Net or Invested Assets. 

Cost value of bonds and stocks owned, . ... 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



Total net or invested assets, . 



$1-4,821 25 

126 71 

5,138 92 

5,702 17 

$25,789 05 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. Amount. 

1,709 $5,127,000 00 
71 213,000 00 



1,780 $5,340,000 00 
56 168,000 00 



1,724 $5,172,000 00 

17 $51,000 00 
17 51,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

1,252 $3,756,000 00 
52 156,000 00 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



1,30^ $3,912,000 00 
40 120,000 00 



1,264 $3,792,000 00 

13 $39,000 00 
13 39,000 00 



ASSESSMENT ENDOWMENT CORPOKATIONS. 



SUMMARY OF STATEMENTS RECEIVED. 



ABRAHAM LINCOLN BENEFIT ASSOCIATION, BOSTON. 

[Incorporated May 12, 1890. Commenced business May 12, 1890.] 

R. C. Whittet, President Thomas Milligan, Secretary. 

Office, 257 Washington Street, 

Income during 1890. 

For membership fees, $883 50 

For assessments (sickness), 387 00 

Borrowed money, 90 00 

All other, 76 50 

Total income, $1,437 00 

Disbursements during 1890. 
For losses and claims (sickness and disability), $60 00 

salaries and commissions to agents, . . 483 65 

medical examiner's fees, . . . . 117 00 

All other, 425 36 

Total disbursements, .... 1,086 01 

Balance, $350 99 

Net or Invested Assets. 

Cash in office, $23 99 

deposits on reserve fund account, 193 50 

in bank (expense fund), 133 50 

Total net or invested assets, $350 99 

Liabilities. 
Salaries, rents and office expenses due and 

accrued, $845 99 

Borrowed money, 90 00 

All other: printing, $27.00 ; furniture, $31.25, 58 25 

Total actual liabilities, .... 994 24 

Deficit, $643 25 



314 



ASSESSMENT ENDOWMENT [Dec. 31, 



Business in Massachusetts during 1890. 



Policies written during 1890, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, . 



Number Amount. 

118 $59,000 00 
2 1,0'" 



116 f58,000 00 

?60 00 

60 00 



AMERICAN CO-OPERATIVE UNION, BOSTON. 

[Incorporated March 6, 1890. Commenced business Sept. 9, 1890.] 

Albert S. Caswell, President. Henri W. Holukook, Secretary. 

Office, 2 Park Square. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments (sickness), .... 

medical examiner's fees paid by applicant, 

borrowed money, 

All other, . . . . . 



$1,784 00 


164 53 


5 54 


657 


1,85' 


897 



Total income, 



$6 r 088 57 



Disbursements during 1890. 

For losses and claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Borrowed money repaid, . 

All other, 

Total disbursements, 



$120 00 


1,887 


50 


785 


80 


657 


00 


255 00 


1,751 43 



Balance, 



5,45 • 



$631 84 



Cash in office, 



Net or Invested Assets. 



$631 84 



Liabilities. 



Borrowed money, 
Deficit, . 



1,595 00 



$963 16 



1890.] 



CORPOKATIONS. 



315 



Total Business of 1890. 

Policies written during 1890, .... 
Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. Amount. 

446 $429,000 00 
446 429,000 00 

$120 00 
120 00 



AMERICAN FRIENDLY SOCIETY, BOSTON. 

[Incorporated Dec. 24, 1889. Commenced business Jan. 4, 1890.] 

J. L. Miller, President. F. O. Downes, Secretary. 

Office^ 20 Beacon Street. 



Income during 1890. 



Membership fees, 
Borrowed money, 

Total income, 



$292 50 
500 00 

$792 50 



Disbursements during 1890. 



For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, . . 

office fixtures, .... 
Total disbursements, 



Balance, 



$30 00 




330 00 




67 50 




120 00 




112 50 






660 00 







$132 50 



Cash in office, 



Net or Invested Assets. 



$132 50 



Borrowed money, 
Deficit, . 



Liabilities. 



500 00 



$367 50 



Business in Massachusetts during 1890. 



Policies written during 1890, . 
Policies in force Dec. 31, 1890, . 



Number. 


Amount. 


45 


$81,500 00 


45 


81,500 00 



31G 



ASSESSMENT ENDOWMENT [Dec. 31, 



SUPREME LODGE OF THE AMERICAN PROTECTIVE LEAGUE, 

BOSTON. 

[Incorporated June 29, 1889. Commenced business July 1, 1889.] 

Jostah H. Gunning, President. Theodore Parker Dresser, Secretary. 

Office, 181 Tremont Street. 

Income during 1890. 

For membership fees, $21,028 50 

annual dues, f 67,464.34 ; per capita tax, $31,197.66, . . 98,002 00 

assessments (sickness), 7,900 80 

interest, $309.40 ; sale of supplies, $820.42, . . . 1,189 82 

Total income, $128,781 12 

Balance on hand Dec. 31, 1889, 2,290 23 

Total, $131,077 35 



Disbursements during 1890. 

For losses and claims (15 funeral benefits), . $450 00 

For losses and claims (sickness and disability), 9,435 00 

Paid withdrawing members, .... 113 50 

For salaries and commissions to agents, . . 26,903 70 

salaries of officers and employees, . . 12,012 11 

medical examiner's fees, .... 5,173 00 

Retained by subordinate body, .... 250 00 

For rent, $1,138.00 ; advertising, $3,763.67, . 4,901 67 

printing, 1,770 70 

legal expenses, $1,711.10 ; all other, 

$6,779.87, 8,490 97 

Total disbursements, .... 



Balance, 



,166 71 

$60,910 64 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Stocks not in State treasury, 
Invested in lease hold, 

Cash in office, 

Cash in bank (expense fund), . 



Total net or invested assets, . 
Less depreciation, .... 



Total net or invested assets, . 



$4,463 00 
6,9 % 
8,299 12 
1,268 2 

39,953 

$60,910 64 
4 00 

$60,906 64 



1890.] 



CORPORATIONS. 



317 



Non-invested Assets. 

Due from subordinate leagues, . . . $ 14,408 57 
Furniture supplies, etc., 5,431 97 



Total non-invested assets, 
Gross assets, . 



$19,840 54 



$80,747 18 



Liabilities. 
Salaries, rents and office expenses due and 

accrued, 

All other, 

Total actual liabilities, . . 

Balance, net assets, .... 

Total Business of 1890 

Policies in force at beginning of year, 
Policies written during 1890, . 

. Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$667 25 
63 60 



730 85 



,016 33 



Number. Amount. 

1,638 $819,000 00 
3,911 1,955,500 00 



5,549 $2,774,500 00 
411 205,500 00 



5,138 $2,569,000 00 

$9,885 00 
9,885 00 



Business in Massachusetts during 1890. 

Number 

Policies in force at beginning of year, 

Policies written during 1890, 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Amount. 

1,638 $819,000 00 
2,495 1,247,500 00 



4,133 $2,066,500 00 
341 170,500 00 



3,792 $1,896,000 00 

$8,500 00 
8,500 00 



318 



ASSESSMENT ENDOWMENT [Dec. 31, 



SUPREME LODGE OF THE BAY STATE LEAGUE, BOSTON. 

[Incorporated May 12, 1890. Commenced business May 12, 1890.] 

Lewis A. Drake, President. John K. Wigiitman, Secretary. 

Office, 74 Tremont Street. 



For membership fees, 
annual dues, 
assessments, 

All other, . 



Income during 1890. 



$40,904 00 
6,14 

6,020 00 
59 



Total income, 153,134 50 



Disbursements during 1890. 

For losses and claims (sickness and disability), $80 00 

salaries and commissions to agents, . . 27,992 06 

salaries of officers and employees, . . 997 64 

Dues retained by subordinate bodies, . . 6,145 00 

All other, . 4,754 23 

Total disbursements, .... 

Balance, 



39,968 93 
f 13,165 57 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, 

in bank (expense fund), . 

Total net or invested assets, . 

Total Business of 1890 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



12,145 56 

j:3 42 

867 44 

7,229 15 

113,165 



Number. 


Amount. 


9,463 


?946,100 00 


17 


1.700 00 


9,446 


$944,400 00 


— 


$80 00 


— 


80 00 



Business in Massachusetts during 1890. 

• Number. Amount. 

Policies written during 1890, 7,833 f 783,100 00 

Policies ceased during 1890, 



Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



9 



900 00 



7,824 $782,200 00 

$ 80 00 

80 00 



1890.] 



CORPORATIONS. 



319 



CATHOLIC CRUSADERS OF THE HOLY CROSS, TAUNTON. 

[Incorporated Dec. 4, 1889. Commenced business August, 1890.] 

M. J. O'Boyle, President. J. E. Greenan, Secretary. 

Income during 1890. 

For membership fees, $952 00 

For assessments, 187 50 

Total income, $1,139 50 

Disbursements during 1890. 

For salaries and commissions to agents, . . . $ 784 50 

For medical examiner's fees, 167 50 

Total disbursements, 952 00 

Balance, $187 50 

Net or Invested Assets. 
Cash in office, . $187 50 

Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 134 $18,325 00 

Policies in force Dec. 31, 1890, 134 18,325 00 



COMMERCIAL ENDOWMENT ASSOCIATION, NORTHAMPTON. 

[Incorporated April 26, 1890. Commenced business April 26, 1890.] 

Egbert I. Clapp, President. Chas. H. Tuttle, Secretary. 



Income during 1890. 

For membership fees, 

assessments, sickness, $3,516.40; expense, $1,076.40, 
borrowed money, 

All other, • . 



Total income, 



$6,473 00 
4,592 80 
1,200 00 
1,344 62 

$13,610 42 



Disbursements during 1890. 
For losses and claims (sickness and disability), $1,640 00 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 
All other, .... 



Assessments returned, 

Total disbursements, 

Balance, . 



4,463 00 

2,424 96 

685 50 

2,315 42 

20 00 



11,548 88 
$2,061 54 



320 ASSESSMENT ENDOWMENT [Dec. 31, 

Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . . $1,220 

Cash in office, 29 00 

deposits on reserve fund account, >> 80 

in bank (expense fund), 2*55 74 

Total net or invested assets, f 2,001 54 

Non-invested Assets. 

Interest accrued, 25 00 

Gross assets, $2,086 54 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, $033 32 

Borrowed money, 1,200 00 ■ 

Total actual liabilities, .... 2,133 32 

Deficit, $46 78 

Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 1,204 f600,2O0 00 

Policies ceased during 1890, 28 14,000 00 

Policies in force Dec 31, 1890, 1,176 $586,200 00 

Losses and claims incurred during 1890, . . . - $1,640 00 

Losses and claims paid during 1890, ... - 1,640 00 

Business in Massachusetts during 1890. 

• Number. Amount. 

Policies written during 1890, 1,078 $535,700 00 

Policies ceased during 1890, 27 13,500 00 

Policies in force Dec. 31, 1S90, 1,046 $522,200 00 

Losses and claims incurred during 1890, ... - $1,640 00 

Losses and claims paid during 1890, ... - 1,640 00 



1890.] 



CORPORATIONS. 



321 



FRATERNAL ASSOCIATES OF AMERICA, BOSTON. 

[Incorporated Aug. 3, 1889. Commenced business Oct. 8, 1889.] 

John S. Damrell, President. Henry A. Smith, Secretary. 

Office, 27 Kilby Street. 



Income during 1890. 

For membership fees, 

annual clues, 

assessments, mortuary, $ 167.10 ; sickness, $1,621.75 ; ex- 
pense, $714.60, 

medical examiner's fees paid by applicant, 
All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



$172 00 


479 


30 


2,503 


45 


169 


50 


366 


25 


$3,690 50 


117 


93 



Total, 



$3,808 43 



Disbursements during 1890. 

For losses and claims (sickness and disability), 

salaries and commissions to agente, 

salaries of officers and employees, 

medical examiner's fees, . 
Retained by subordinate bodies, 
All other, ...... 

Total disbursements, 



$850 00 




310 50 




135 00 




169 50 




643 97 




673 07 






2,782 04 





Balance, 



$1,026 39 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 



Total net or invested assets, . 
Less depreciation, . 



Total net or invested assets, . 



$788 
237 


50 
89 


$1,026 39 
23 50 



$1,002 89 



Non-invested Assets. 



Interest, 

Gross assets, 



13 72 



$1,016 61 



322 



ASSESSMENT ENDOWMENT [Dec. 31, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

114 


Amount. 

97,000 00 


187 
69 


£105,000 00 
1 00 


118 


fl06,250 00 

f850 00 
850 



FRIENDLY AID SOCIETY, WALTIIAM. 

[Incorporated May 2, 1890. Commenced business June 13, 1890.] 

Leonard C. Lane, President. Fred II. Smith, Secretary. 

Income during 1890. 
For membership fees, $37,513 00 



For assessments, mortuary, 
All other, .... 



Total income, 



99,949 00 

3f'L 

f 137,704 08 



Disbursements during 1890. 

For claims (endowments), .... $54,757 80 

claims (sickness and disability), . . 1,060 00 

salaries and commissions to agents, . . 19,657 50 

salaries of officers and employees, . . 7,5< v ~ 

Ail other, 4,407 33 

Total disbursements, .... 



"0 06 



Balance, $50,294 02 



Xet or Invested Assets. 
Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, 

in bank (expeuse fund), . 

Total net or invested assets, . 
Less depreciation, .... 

Total net or invested assets, . 

Non-invested Assets. 
Interest due, $235.89 ; accrued, § 20.00, . 

Gross assets, 



$7,566 34 

721 86 

29,588 30 

12,417 52 

?50,294 2 

76 34 

$50,217 68 



5 89 

$50,473 57 



1890.] CORPORATIONS. 323 

Liabilities. 
Endowments adjusted, due and unpaid, . . $14,149 30 
Salaries, rents and office expenses due and 
accrued, ...•».... 374 35 

Total actual liabilities, .... $14,523 65 



Balance, net assets, $35,949 92 

Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 8,418 $829,500 00 

Policies ceased during 1890, 727 72,450 00 



Policies in force Dec. 31, 1890, 7,691 $757,050 00 

Losses and claims incurred during 1890, . . . 698 $69,550 00 

Losses and claims paid during 1890, .... 552 54,950 00 



Losses and claims unpaid Dec. 31, 1890, ... 146 $14,600 00 
Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 6,930 $685,675 00 

Policies ceased during 1890, 724 72,150 00 



Policies in force Dec 31, 1890, 6,206 $613,525 00 

Losses and claims incurred during 1890, . . . 698 $69,550 00 

Losses and claims paid during 1890, . . . . . 552 54,950 00 



Losses and claims unpaid Dec. 31, .... 146 $14,60000 



THE GUARDIAN ENDOWMENT SOCIETY, BOSTON. 

[Incorporated Jan. 7, 1890. Commenced business Jan. 7, 1890.] 

t 

Ephraim B. Thorndike, President. A. B. Eastman, Secretary. 

Office, 180 Tremont Street. 

Income during 1890. 

For membership fees, $11,872 00 

assessments, endowment, $10,803 00 ; expense, $3,959.00, 14,762 00 

rent, 150 00 

borrowed money, 245 00 

All other, 45 50 

Total income, $27,074 50 



324 ASSESSMENT ENDOWMENT [Dec. 31, 

Disbursements during 1890. 

For losses and claims (sickness and disability), 792 86 

salaries and commissions 'to agent-, . . 9,766 00 

salaries of officers and employees, . . . 8,466 00 

medical examiner's fees, .... 1,000 00 

All other, 2,777 02 

Total disbursements, .... $19,801 88 

Balance, • $7,272 62 

Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . . $6,000 00 

Cash in office, 13 

deposits on reserve fund account, 4'>l 50 

in bank (expense fimd), 7 9<J 



Total net or invested assets, f 7,272 62 

Liabilities. 
Borrowed money, 245 00 



Balance, net assets, $7,027 02 

Total Business of 1890. 

Number. Amount 

Policies written during 1890, 3,021 $602,00 

Policies ceased during 1890, 233 46,400 00 



Policies in force Dec. 31, 1890, 2,788 £555,600 00 

Losses incurred during 1890, - .792 00 

Losses and claims paid duriug 1890, ... - '2 00 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 583 $455,000 00 

Policies ceased during 1890, 190 ",800 00 



Policies in force Dec. 31, 1890, 2,095 $417,200 00 

Losses incurred during 1890, - $3,091 00 

Losses and claims paid during 1890, ... - 3,091 00 



1890.] 



CORPORATIONS. 



325 



THE HOUSEHOLD BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Oct. 25, 1889. Commenced business May 10, 1890.] 

John E. Soper, President. E. C. Atwood, Secretary. 

Office, 53 State Street. 



Income during- 1890. 

For membership fees, 

assessments, mortuary and endowment, $2,729.50; ex 7 

pense, $1,954.50, 

medical examiner's fees paid by applicant, 

borrowed money, 

All other, 



Total income, 



$2,678 00 

4,684 00 
661 00 

3,930 00 
242 30 

$12,195 30 



Disbursements during 18i)0. 

For losses and claims, $500 00 

losses and claims (sickness and disability) , 345 00 

salaries and commissions to agents, . . 2,678 00 

salaries of officers and employees, . . 2,065 79 

medical examiner's fees, . . . . 661 00 

All other, 3,900 11 

Total disbursements, .... 



Balance, 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 

Cash in office, 

Cash deposits on reserve fund account, . 

Total net or invested assets, 

Liabilities. 



Borrowed money, 
Deficit, 



10,149 90 
$2,045 40 

$1,055 00 
776 54 
213 86 

$2,045 40 

3,930 00 

$1,884 60 



Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Number. 

661 
103 


Amount. 

$516,750 00 
92,500 00 


558 


$424,250 00 

$1,845 00 
845 00 



$1,000 00 



32G 



ASSESSMENT ENDOWMENT [Dec. 31, 



INDUSTRIAL BENEFIT ORDER, BOSTON. 

[Incorporated Oct. 31, 1889. Commenced business Nov. 16, 1889.] 

James M. Hokne, President. F. A. E. Hamilton, Secretary. 

Office, 724 Washington Street. 

Income during 1890. 



For membership fees, 

annual dues, ........ 

assessments, sickness, $8,377 63 ; expense, $3,835.21, 
interest, 



$8,3' i. 

547 00 
12,212 84 



Total income, :.072 20 

Balance on hand Dec. 31, 1889, 31 97 



Total, 11,104 17 

Disbursements during 1890. 

For losses and claims (sickness and disability), 061 32 

salaries and commissions to agents, . . i>,<> 

salaries of officers and employees, . . 3,282 55 

medical examiner's fees, .... 1,102 00 

Allother, 1,479 76 

Total disbursements, .... 



Balance, 



Net ob Invested Assets. 
Cost value of securities deposited with State treasurer, . 
Loans secured by pledge of bonds, stocks, mortgages, etc , 

not in State treasury, 

(ash in office, 

deposits on reserve fund account, 

in bank (expense fund), 

Total net or invested assets, 

Non-invested Assets. 
Interest due and accrued, 

Gross assets, 

Total Business of 1890. 

Policies in force at beginning of year, 
Policies written during 1890, . 



13,588 13 
•7,511 

$1,036 94 

500 00 

2,4. 
1,525 69 

87,516 04 

39 36 

$7,555 40 



Total, . ... 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 


Amount. 


113 


,500 00 


1,109 


554,500 


1,222 


$611,000 00 


44 


22,000 00 ' 


1,178 


1589,000 00 


_ 


$2,061 


- 


_. 61 00 



1890.] 



CORPORATIONS. 



327 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, 

Total, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. Amount. 

113 $56,500 00 
999 499,500 00 



1,112 $556,000 00 
44 22,000 00 



1,068 $534,000 00 

$1,981 00 
1,981 00 



INDUSTRIAL ORDER OF AMERICA, BOSTON. 

[Incorporated Oct. 9, 1889. Commenced business Dec. 2, 1889.] 

James F. Reynolds, President. William Horwood, Secretary. 

Office, 244 Washington Street. 



Income during 1890. 



For annual dues, 
For borrowed money, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$2,217 83 
451 00 

$2,668 83 
33 96 

$2,702 79 



Disbursements during 1890. 

For losses and claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
borrowed monej', 

All other, 

Total disbursements, 



Balance, 



$50 00 




1,297 64 




663 80 




63 00 




551 89 






2,626 33 





$76 46 



Cash in office, 



Net or Invested Assets. 



$76 46 



Liabilities. 



Salaries due and accrued, . 
Borrowed money, 

Total actual liabilities, 



:,153 20 
802 99 



1,956 19 



Deficit, 



,879 73 



328 



ASSESSMENT ENDOWMENT [Dec. 31, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, * 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Xumb'T. Amount. 

78 $24,99' I 
693 74 4,655 00 



771 

496 


$769,015 00 
483,90' I 


275 


$285,745 00 

- 
■ 00 



INTERNATIONAL BENEFIT ORDER, BOSTON. 

[Incorporated Feb. 28, 1890. Commenced business March 18, 1890.] 

Alvah Wiswall, President. JOSHUA T. Butler, Secretary. 

Office, 1 Beacon Street. 

Income during 1890. 

For assessments, $198 00 

For medical examiner's fees paid by applicant, . . . 11< 

All other, 822 59 

Total income, $1,131 09 

Disbursements during 1890. 

For losses and claims (sickness and disability), . $60 00 

salaries and commissions to agents, . . . 454 50 

medical examiners "fees, 110 50 

Allother, 368 09 

Total disbursements, 993 09 

Balance, ?138 00 

Net or Invested Assets. 
Cash in office, $138 00 

Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 131 $64,750 00 

Policies ceased during 1890, 12 6,000 00 

Policies in force Dec. 31, 1890, 119 -,750 00 

Losses and claims incurred during 1890, ... - $60 00 

Losses and claims paid during 1890, ... - 60 00 



1890.] 



CORPORATIONS. 



329 



"ORDER OF THE KNIGHTS AND LADIES OF COLUMBIA," 

BOSTON. 

[Incorporated April 21, 1890. Commenced business April 30, 1890.] 

J. Varnum Mott, President. Edward W. Coleman, Secretary. 

Office, 165 Tremont Street. 



Income during 1890. 

For entrance fees, 

annual dues, 

medical examiner's fees paid by applicant, 
All other, 



Total income, 



$1,676 00 

2,820 00 

547 00 

542 80 

$5,585 80 



Disbursements during 1890. 



For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



$2,555 50 




967 58 




387 00 




1,598 13 






5,508 21 





Balance, 



$77 59 



Net or Invested Assets. 



Cash in office, 



$77 59 



Non-invested Assets. 
Furniture, fixtures and supplies, 

Due from lodges, 

Total non-invested assets, 



Gross assets, 



$2,056 00 
138 13 



2,194 13 



$2,271 72 



Liabilities. 
Salaries, rents and office expenses due and 

accrued, 

Borrowed money, 

Advance assessments, 

All other, viz , supplies, furniture and station- 
ery, 

Total actual liabilities, .... 

Deficit, 



$268 91 




492 50 




40 00 




1,714 32 






2,515 73 





$214 01 



330 ASSESSMENT ENDOWMENT [Dec. 31, 

Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 626 $375,000 00 

Policies ceased during 1890, 38 22,800 00 



Policies in force Dec. 31, 1890, i $352,800 00 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 541 $324,000 00 

Policies ceased during 1890, 34 20,400 00 



Policies in force Dec. 31, 1890, 507 $304,200 00 



SUPREME LODGE KNIGHTS AND LADIES OF PROTECTION, 

JAMAICA PLAIN. 

[Incorporated July 16, 1888. Commenced business June 29, 1886.] 

George W. Hayes, President. Joseph II. Murray, Secretary. 

Income during 1890. 

For assessments, sickness, $3,606.00 ; expense, $1,689.00, . $5,295 00 
All other, 499 08 



Total income, $5,794 08 

Balance on hand Dec. 31, 1889, 1,419 36 



Total $7,213 44 

Disbursements during 1890. 
For losses and claims (sickness and disability), £3,lc5 00 

salaries and commissions to agents, . 
salaries of officers and employees, . 
borrowed money, .... 

])rinting, 

All other, 

Total disbursements, 

Balance, $2,579 98 

Net or Invested Assets. 

Cash deposits on reserve fund account, $1,796 34 

Cash in bank (expense fund), I 64 



250 00 




1 75 




135 00 




340 23 




265 48 






4,633 46 





Total net or invested assets, $2,571' - 



1890.] 

Supplies on hand, 
Gross assets, 



CORPORATIONS. 

Non-invested Assets. 



Liabilities. 



Borrowed money, . . . . 

Balance, net assets, . . ... 

Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

201 
377 

578 
71 



331 



$200 00 



1,779 98 



325 00 



$2,454 98 

Amount. 

$204,500 00 

340,500 00 

$545,000 00 

67,500 00 

507 $477,500 00 



55 
55 



$3,155 00 
3,155 00 



MASSACHUSETTS PRUDENTIAL ORDER, BOSTON. 

[Incorporated Nov. 25, 1889. Commenced business Feb. 1, 1890.] 

George S. McCrillis, President. John E. Gregg, Secretary. 

Office, 179 Tremont Street. 

Income during 1890. 

For membership fees, $572 00 

assessments (sickness), 370 00 

borrowed money, 471 09 

Allother, 11 50 

Total income, $1,424 59 

Disbursements during 1890. 

For losses and claims (sickness and disability), $30 00 

salaries and commissions to agents, . . 197 06 

salaries of officers and employees, . . . 161 50 

borrowed money repaid, .... 396 29 

Allother, •. 283 74 

Total disbursements, .... 1,068 59 

Balance, $356 00 

Net or Invested Assets. 

Cash in office, $23 00 

Cash held by subordinate bodies, 333 00 

Total net or invested assets, $356 00 



332 



ASSESSMENT ENDOWMENT [Dec. 31, 



Liabilities. 
Salaries, rents and office expenses due and 

accrued, $65 00 

Borrowed money, ...... 74 80 

Bills payable, 87 75 

Total actual liabilities, 

Balance, net assets, 

Business in Massachusetts during 1890. 

Number. 

106 

66 



Policies written during 1890, 
Policies ceased during 1890, 



Policies in force Dec. 31, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



40 



*227 
$128 45 



Amount. 

$61,750 00 
33,000 00 

$28,750 00 

$30 00 
30 00 



MUTUAL ONE YEAR BENEFIT ORDER, BOSTON. 

[Incorporated May 2, 1890. Commenced business May 9, 1890.] 

Evan H. Morgan, President. A. Hale Kingsley, Secretary. 

Office, 10 Tremont Street. 



Income during 1890. 

For membership fees, $49,505 00 

annual dues, 12,895 80 

disability assessments, 40,453 00 

medical examiner's fees paid by applicant, . . . 1,728 00 

All other, . 17 



Total income, §105,611 97 

Disbursements during 1890. 
For losses and claims (sickness and disa- 
bility), ... ?660 00 

For salaries and commissions to agents, . . 20,432 45 

salaries of officers and employees, . . 9,664 16 

medical examiner's fees, .... 1,728 00 

Retained by subordinate bodies, . . . 18,497 97 

All other, 8,944 84 

Total disbursements, .... 59,927 42 



Balance, 



145,684 55 



1890.] 



CORPORATIONS. 



333 



Net ok Invested Assets. 

Cost value of securities deposited with State treasurer, . 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), .... 



Total net or invested assets, . 

Total Business of 1890 

Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Business m Massachusetts during : )0. 

Policies written during 1890, . 

Policies ceased during 1890, . ... 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



$5,934 88 

15,998 80 

6,458 50 

17,292 37 



5,684 55 



Number. 


Amount. 


10,620 $1,061,025 00 


132 


13,150 00 


10,488 $1,047,875 00 


- 


$660 00 


- 


660 00 


1890. 




Number. 


Amount. 


3,144 


$214,075 00 


45 


4,500 00 


3,099 


$309,575 00 


— 


$580 00 


— 


580 00 



NATIONAL BENEFIT UNION, BOSTON. 

[Incorporated Oct. 29, 1889. Commenced business Nov. 26, 1889.] 

N. K. Tracy, President. W. W. Farr, Secretary. 

Office, 165 Tremont Street. 

Income during 1890. 

For membership fees, $1,146 00 

annual dues, 1,083 00 

endowment assessments, $3,482.15; expense, $2,598.10; 

mortuary, $605.10, 6,685 35 

medical examiner's fees paid by applicant, . . . 573 00 

interest, 1,006 56 

Total income, $10,493 91 

Balance on hand Dec. 31, 1889, 47 99 

Total, $10,541 90 



334 



ASSESSMENT ENDOWMENT [Dec. 31, 



Disbursements duriwg 1890. 
For losses and claims (1 death), 

losses and claims (sickness and disability), 
salaries and commissions to agent>, . 
salaries of officers and employees, 
medical examiner's fees, .... 
Retained by subordinate bodies, 

All other, 

Total disbursements, .... 



•5 10 


1,992 00 


044 00 


1,429 00 


573 00 


1,675 00 


1,980 43 



Balance, 



Net or Invested Assets. 

Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 

Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, .... 

Total Business of 1890 

Policies in force at beginning of year, 
Policies written during 1890, 

Total, . 
Policies ceased during 1890, 

Policies in force Dec 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



18,898 53 
$1,643 87 



%\ 00 

.1 17 

191 20 

$1,6 1 






Number. 

87 


15 87 

Amount. 

?84,5<J0 00 
368,00< 


469 

34 


?452,500 00 
31,250 00 



435 $421,250 00 

$1,992 00 
1,9' - 



ORDER OF THE NATIONAL CONGRESS OF FRIENDS, BOSTON. 

[Incorporated Feb. 10, 1890. Commenced business Feb. 13, 1S90.] 

Webster P. Edwards, President. Frank E. Stedman, Secretary. 

Office, 149a Tremont Street. 

Income during 1890. 

For membership fees, §4,631 00 

assessments, 2,95" 

medical examiner's fees paid by applicant, ... -6 00 

All other, 90 11 

Borrowed money, 1,500 00 

Total income, §11,162 11 



1890.] 



CORPORATIONS. 



335 



Disbursements during 1890. 

For losses and claims (sickness and disability), $450 00 

salaries and commissions to agents, . . 3,433 90 

salaries of officers and employees, . . 621 17 

medical examiner's fees, .... 1,986 00 

All other, 2,122 89 

Total disbursements, .... 



Balance, 



5,613 96 



$2,548 15 



Net or Invested Assets. 

Cash in office, 

Cash in bank (expense fund), 

Total net or invested assets, .... 



$1,669 65 
878 50 

$2,548 15 



Liabilities. 



Borrowed money, 
Bills payable, .... 
Total actual liabilities, . 

Balance, net assets, 



$1,500 00 
524 40 



2,024 40 



$523 75 



Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Number. Amount. 

1,305 $1,194,200 00 
65 55,700 00 



1,240 $1,138,500 00 



Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



$400 00 
400 00 



Business in Massachusetts during 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 

1,094 
47 


Amount. 

$1,009,250 00 
36,750 00 


1,047 


$972,500 00 

$380 00 
380 00 



336 ASSESSMENT ENDOWMENT [Dec. 31, 

NATIONAL FRATERNAL AND BENEFICIAL UNION, BOSTON. 

[Incorporated April 30, 1890. Commenced business July, 1890.] 

James W. Davis, President. George W. H. Allen, Secretary. 

Office, 2 Park Square. 

Income during 1890. 



For membership fees, 

annual dues, 

medical examiner's fees paid by applicant, 
borrowed money, 



?150 


00 


61 


00 


20 






19 



583 33 




26 00 




147 71 






847 04 





Total income, $887 19 

Disbursements during 1890. 

For salaries and commissions to agents, . . $90 00 

salaries of officers and employees, 

medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, $40 15 

Net or Invested Assets. 
Cash in office, |40 15 

Liabilities. 

For borrowed money, §650 19 

For printing, ....... 207 64 

Total actual liabilities, .... 857 83 



Balance, deficit, $817 68 



Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 41 $40,500 00 

Policies ceased during 1890, 4 4,000 00 



Policies in force Dec. 31, 1890, 37 $36,500 00 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 16 $16,000 00 

Policies in force Dec. 31, 1890, ..... 16 16,000 00 



1890.] 



CORPORATIONS. 



337 



NATIONAL THREE YEAR BENEFIT ORDER, BOSTON. 

[Incorporated May 12, 1890. Commenced business May 12, 1890.] 

Maurice H. Adams, President. George E. Stickney, Secretary. 

Office, 41 Tremont Street. 

Income during 1890. 



For membership fees, 

annual dues, 

assessments, 

medical examiner's fees paid by applicant, 
All other, 



Total income, 



Disbursements during 1890. 

For losses and claims (sickness and disability), $1,520 00 

salaries and commissions to agents, . 



salaries of officers and emr. 
medical examiner's fees, 
All other, .... 
Total disbursements, 



Balance, 



loyees, 



2,604 82 
900 00 
233 40 

2,132 82 



Net or Invested Assets. 
Cost value of securities deposited with ^tate treasurer, . 

Cash in office, 

Cash deposits on reserve fund account, . 

Total net or invested assets, . 

Total Business of 1890 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Business in Massachusetts during 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$5,717 00 


81 43 


4,344 00 


233 40 


90 47 


$10,466 30 



7,391 04 
£3,075 26 



§2,219 22 
204 04 
652 00 

$3,075 26 



Number. Amount. 

1,146 $453,600 00 
29 11,400 00 



1,117 $442,200 00 



$1,520 00 
1,520 00 



Number. Amount. 

1,027 $406,000 00 
27 10,600 00 



1,000 $395,400 00 

$1,460 00 
1,460 00 



a:;s 



ASSESSMENT ENDOWMENT [Dec. 31, 



NORTH AMERICAN ENDOWMENT ASSOCIATES, BOSTON. 

[Incorporated Dec. 26, 1889. Commenced business Jan. 14, 1890.] 

Walter J. Harrison, President. Eben L. Harrison, Seen 

Office, 2 Park Square. 

Income during 1890. 

For membership fees, $20,483 00 

For annual dues, 16,123 00 



Total income, $36,606 00 



Disbursements during .1890. 



For salaries and commissions to agents, 
salaries of officers and employees, 
retained by subordinate bodies, . 

All other, 

Total disbursements, 



£16,119 71 
8,768 81 
2,018 37 
7,116 24 



34,023 13 



Balance, 






N*et or Invested Assets. 



Cash in office, . 

Cash in bank (expense fund), 



Total net or invested assets, . 



$2,306 21 
276 66 

-2 87 



Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890,. 



Number. Amount. 

5,791 $2,895,500 00 
89 44.500 00 



5,702 $2,851,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 1,778 $889,000 00 

Policies ceased during 1890, 13 6,500 00 



Policies in force Dec. 31, 1890,. 



1,765 $882,500 00 



1890.] 



CORPORxVTIONS. 



339 



NON-SECRET ENDOWMENT ORDER, WORCESTER. 

[Incorporated Sept. 17, 1889. Commenced business Oct. 10, 1889.] 

Herbert McIntosh, President. J. O. H. Woodman, Secretary. 

Income during 1890. 

For membership fees, 

assessments, sickness, $23,264.70 ; expense, $5,910.90, 
borrowed money, * . 



interest, 
Miscellaneous, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



Disbursements during 1890. 

For losses and claims (sickness and disability), $7,570 00 

Paid withdrawing members, .... 62 50 

For salaries and commissions to agents, . . 12,439 80 

salaries of officers and employees, . . 6,041 77 

medical examiner's fees, . . . . 1,549 50 

All other, \ 4,815 28 

Total disbursements, .... 



Balance, 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, " . 

deposits on reserve fund account, . 

in bank (expense fund) , 

Total net or invested assets, .... 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, 

Borrowed money, 

Total actual liabilities, . 

Balance, net assets, 

Total Business c 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



$17,248 50 

29,175 60 

510 30 

39 25 

1,371 97 

$48,345 62 
566 86 

$48,912 48 



32,478 85 
$16,433 03 



$5,550 00 

031 10 

6,582 93 

3,069 54 

$16,433 63 



$1,161 64 
522 92 


1,684*56 




1890. 

Number. 

380 
3,031 


$14,749 07 

Amount. 

$190,000 00 
1,507,700 00 


3,411 

188 


$1,697,700 00 
93,000 00 


3,223 


$1,004,100 00 



340 



ASSESSMENT ENDOWMENT [Doc. 31, 



Losses and claims incurred during 1890,. 
Losses and claims paid during 1890, 



Business ix Massachusetts during 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 


Amount. 


- 


17,57 


- 


7,670 00 


1890. 




Sfumbor. 


Amount. 




$190,000 00 


1,744 


868,70' 



2,124 
133 



fl,058,7 

60,500 00 



1,991 $992,200 00 

$5,100 00 
5,100 00 



ORDER OF JEGIS, LYNN, 

[Incorporated Feb. 11, l^SO. Commenced business Feb. 25, 15S9.] 

John M. Dobson, President. CHARLES II. Robinson, Secr> 

Income during 1890. 
For membership fees, 



annual dues, 

mortuary assessments, $11:3,269.30: expense, $38,981.05 

medical examiner's fees paid by applicant, 

interest, 

per capita tax, 



All other, 



Total income, 
Balance on hand Dec 

Total, . 



31, 1889, 



Disbursements during 1890. 



For losses and claims, 6324 55 

losses and claims (sickness and disability). 71,690 00 

salaries and commissions to agents, . . 13,653 60 

Retained by subordinate bodies, . . . -.516 00 

For salaries of officers and employees, . . 6,495 80 

For medical examiner's fees 7,008 50 

All other, 30,700 64 

Total disbursements, .... 



•20,47 
16,148 00 

152,250 35 

7 81 
2,37 
3,91 



i 91 
22.597 04 

f225,523 95 



148,389 09 



Balance, $77,13, 



1890.] CORPORATIONS. 341 



Net ok Invested Assets. 

Cost value of securities deposited with State treasurer, 
Loans secured by mortgages, not in State treasury, 

Cash in office, 

Cash deposits on reserve fund account, . 

Total net or invested assets, .... 



$47,919 87 

6,500 00 

3,054 51 

19,660 48 

$77,134 86 



Non-invested Assets. 

Supplies on hand, $1,930 02 

Bills receivable, 401 19 

Total non-invested assets, . . . 2,331 21 



Gross assets, $79,466 07 

Total Business of 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 3,864 $3,724,200 00 
Policies written during 1890, . ' . . . . 4,692 4,317,200 00 



Total 8,556 $8,041,400 00 

Policies ceased during 1890, 549 567,700 00 



Policies in force Dec. 31, 1890, ... . . . 8,007 $7,473,700 00 

Losses and claims incurred during 1890, ... - $72,015 00 

Losses and claims paid during 1890, ... - 72,015 00 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,363 $2,298,000 00 
Policies written during 1890, 1,514 1,381,200 00 

Total, . ' 3,877 $3,679,200 00 

Policies ceased during 1890, 233 316,600 00 



Policies in force Dec. 31, 1890, 3,644 $3,362,600 00 

Losses and claims incurred during 1890, ... - $43,205 00 

Losses and claims paid during 1890, ... - 43,205 00 



ORDER OF THE ANNUAL FRIEND, LOWELL. 

[Incorporated April 21, 1890. Commenced business April 21, 1890.] 

Samuel A. Smith, President. H. P. Staples, Secretary. 

Income during 1890. 
For membership fees, $41,846 00 

annual dues, 11,141 33 

disability assessments, $30,995.00 ; expense, $11,400.00, . 42,395 00 

medical examiner's fees paid by applicant, . . . 806 00 

All other, " 1,<>73 90 



Total income, $97,262 23 



342 



ASSESSMENT ENDOWMENT [Dec. 31, 



DI8BUESEMENT8 DURING 1890. 



For losses and claims (sickness and disability), 

salaries and commissions to agent-, 

salaries of officers and employees, 

medical examiner's fees, . 

advertising, $3,820.26; printing, $3,838.44 

furniture and fixtures, 

postage and express, . 

stationery, .... 

general expense, 

travelling expenses, . 
Retained by subordinate body, . 
Total disbursements, 

Balance, .... 



<> 00 
21,172 00 

10,849 41 

546 25 

7,058 70 

1,340 75 

778 95 

504 57 

3,820 26 

5,105 52 

11,141 33 



$63,323 74 



833,938 49 



Net or Invented Assets. 

Cost value of securities deposited with State treasurer, . 

Cash in office, 

('ash in bank (expense fund), 

Total net or invested assets, 



.052 22 

23 49 

15,61 2 78 

$33 : 938 49 



Total Business of 1890. 

Policies written during 1890, . 
Policies ceased during 1890, . 

Policies in force Dec. 31, 1890, . . . . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 

8,520 
1G4 


Amount 

2,000 00 

16,400 00 


8,356 


00 

$280 00 
280 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 2,938 $293,8 

Policies ceased during 1890, 70 7,000 00 



Policies in force Dec. 31, 1890, 



,800 00 



1890.] 



CORPORATIONS. 



343 



THE BENEVOLENT UNION, BOSTON. 



[Incorporated May 24, 1889. Commenced business June 25, 1889.] 

Jesse J. Underbill, President. Wm. A. Matthews, Secretary. 

Office, 244 Washington Street. 



Income during 1890. 

For membership fees, 

disability assessments, $11,891.30 ; expense, $2,668.55, 
interest, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$2,535 50 

14,559 85 

1,836 03 

608 00 

$19,539 38 

2,080 70 

$21,620 08 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 



$4,445 00 

1,844 00 

2,725 97 

691 50 

1,751 60 



11,458 07 



Balance, 



,162 01 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . 

Cash in office, 

Cash in bank (expense fund), 

Total net or invested assets, 



58,129 00 

1,534 83 

498 18 



,162 01 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. Amount. 

280 $277,500 00 
400 397,250 00 



680 $674,750 00 
88 88,000 00 



592 $586,750 00 

$4,445 00 
4,445 00 



344 



ASSESSMENT ENDOWMENT [Dec. 31, 



ORDER OF FRANKLIN, BOSTON. 

[Incorporated May 14, 1890. Commenced business May 15, 1890.] 

Wm. H. Robehtson, President. Walter G. Cbowtheb, Secretary, 

Office, 62 Boylslon Street. 



Income during 1890. 
For membership fees, 

annual dues, 

assessments, 

medical examiner's fees paid by applicant, 
All other, 



Total income, 



$1,818 00 
440 50 

2,250 93 
909 00 

1,302 M 

20 57 



Disbursements during 1890. 



For claims (sickness and disability), 

Returned to members, 

For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Retaiaed by subordinate body, . 

All other, 

Total disbursements, 



81,506 69 


90 00 


2,040 00 


200 00 


909 00 


440 50 


700 02 



Balance, 



• i 21 



[ 36 



Net or Invested Assets. 

Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 



$77 50 


450 18 


306 68 



$834 36 



Total Business of 1890. 

Policies written during 1890, .... 
Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and elaims incurred during 1890, . 
Losses and claims paid during 1890, . 



Number. Amonnt. 

606 $978,500 00 
45 67,500 00 



561 $911,000 00 

$1,506 00 
6 00 



1890.] CORPORATIONS. 345 

ORDER OF THE FRATERNAL CIRCLE, BOSTON. 

[Incorporated July 11, 1889. Commenced business July 11, 18S9.] 

War. Hamilton, President. I. W. Gammons, Secretary. 

Office, 62 Boylston Street. 

Incojie during 1890. 

For certificate fees, $10,982 50 

annual dues (per capita tax), 4,043 50 

assessments, disability, $137,305.50 ; expense, $16,043.25, 153,348 75 

medical examiner's fees jDaid by applicant, . . . 10,545 00 

interest, $2,003.85; charter fees, $14,556.00, . . . 16,559 85 

registration fees, $10,926.00; supplies, $1,225.53, . . 12,15153 

All other, 309 45 

Total income, $207,940 58 

Balance on hand Dec. 31, 1889, 5,201 56 

Total, $213,142 14 



Disbursements during 1890. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
Retained by subordinate bodies, 

All other, 

Total disbursements, 



$34,787 50 

17,863 07 

11,111 99 

7,030 00 

2,606 00 

19,918 20 



93,316 76 



Balance, $119,825 38 

Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . . $85,707 62 

Cash in office, 746 46 

deposits on reserve fund account, 5,394 52 

in bank (expense fund), 27,976 78 



Total net or invested assets, . . . . . . $119,825 38 

Non-invested Assets. 

Bills receivable, $938 31 

Furniture and supplies, 7,752 00 

Total non-invested assets, . . . 8,690 31 



Gross assets, £128,515 69 



346 



ASSESSMENT ENDOWMENT [Dec. 31, 



Liabilities. 
Losses adjusted, due and unpaid, 
Salaries, rents and office expenses due and 

accrued, 

Total actual liabilities, .... 



Balance, net assets, 



Total Business of 1890 

Policies in force at beginning of year, 
Policies written during 1890, .... 

Total, 

Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, 1890, . 



00 




215 00 






$665 00 






$127,850 69 



Number. Amount. 

1,679 $331,100 00 

8,880 1,77- 



10,559 $2,104,600 00 
660 131,600 00 



9,899 $1,973,000 00 

$: 

34,787 00 



$450 00 



Business in Massachusetts during 1890. 

Number. Amount. 

1,679 $334,100 00 

5,154 1,028,500 00 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid daring 1890, 



6,833 $1,362,600 00 
493 98, 200 00 



6,340 $1,264,400 00 

$27,599 00 
27,599 00 



ORDER OF THE GOLDEN GRAIL, BOSTON. 

[Incorporated April 22, 1890. Commenced business May 2, 1S90.] 

Webster P. Edwards, President. Frank E. Stedman, Secretary. 

Office, 149a Tremont Street. 

Income during 1890. 

For membership fees, 640,391 00 

assessments, sickness, $148,866.50; expense, $22,332.00, . 171,198 50 

interest, 505 37 

All other, 1,1* 

Total income, $213,262 77 



1890.] CORPORATIONS. 347 

Disbursements during 1890. 

For losses and claims (matured endowments), $96,950 00 

For losses and claims (sickness and disability), 590 00 

Returned to members, 24 00 

For salaries and commissions to agents, . . 16,199 52 

For salaries of officers and employees, . . 14,463 15 

All other, 8,925 97 

Total disbursements, .... 



§137,152 64 



Balance, $76,110 13 



Net or Invested Assets. 

Cash in office, $14,493 89 

Cash deposits on reserve fund account, 61,616 24 

Total net or invested assets, $76,110 13 



Liabilities. 
Bills payable, 410 65 



Balance, net assets, $75,699 48 



Total Business of 1890. 

Number. Amount. 

Policies written during 1890, 8,599 $841,950 00 

Policies ceased during 1890 1,110 108,750 00 



Policies in force Dec. 31, 1890, .... 7,489 $733,200 00 

Losses and claims incurred during 1890, ... - $95,590 00 

Losses and claims paid during 1890, ... - 95,590 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 7,627 $747,350 00 

Policies ceased during 1890, 1,064 104,350 00 



Policies in force Dec. 31, 1890, .... 6,563 $643,000 00 

Losses and claims incurred during 1890, . . . - 695,490 00 

Losses and claims paid during 1890, ... - 95,490 00 



348 



ASSESSMENT ENDOWMENT [Dec. 31, 



ORDER OF THE GOLDEN TEMPLE, BOSTON. 

[Incorporated April 22, 1890. Commenced business May 22, 1S90.] 

A E. Hill, President. J. H. Cummisg.s, Seer 

Office, 120 Tremont Street. 

Income during 1890. 
For membership fees, 



annual dues, 

assessments, disability, 8606.00 ; expense, $737.50, . 
medical examiner's fees paid by applicant, 
All other, 



Total income, 



$9,325 00 
1*4! 

1,31 

61 



Disbursements during 1890. 

For claims (sickness and disability), . . $55 00 

salaries and commissions to agent . 4,692 ( »<J 

salaries of officers and employees, . . 4,852 95 

Retained by subordinate bodies, ... 52 

All other, -9 00 

Total disbursements, . . . 



11,540 95 



Balance, 



$123 bo 

477 



Net or Invested Assets 

Cash in office, 

Cash deposits on reserve fund account, . 

Total net or invested asset-. . 

Total Business of 1890 

Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 1.768 $176,8 

Policies ceased during 1890, 23 00 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



55 



Number. 

2.: 


Amount. 

$218,450 00 
2,600 00 


2.159 


$215,850 00 

f 55 00 

bo 00 



1,745 




_ 


$55 00 


_ 


Oo 



1890.] 



CORPORATIONS. 



349 



GRAND CENTRAL TENT ORDER OF THE HELPING HAND, 

LYNN. 

[Incorporated Oct. 7, 1889. Commenced business Oct. 8, 1889.] 

William H. Gove, President. Elmer F. Robinson, Secretary. 



Income during 1890. 

For membership fees, 

annual dues, £7,865.00 ; per capita tax, f 1,140.01, . 
assessments, disability, $41,60-4.25 ; expense, $4,533.00, 
medical examiner's fees paid by ajDplicant, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



$12,579 00 

9,005 01 

46,137 25 

9,658 00 

13,298 26 

$90,677 52 
128 90 



Total, 



,806 42 



Disbursements during 1890. 

For claims (sickness and disability), . . $11,857 50 

salaries and commissions to agents, . . 16,649 00 

salaries of officers and employees, . . 2,605 00 

medical examiner's fees, .... 9,658 00 

Retained by subordinate bodies, . . . 8,724 00 

For printing, $5,931 53 ; advertising, $209.10, . 6,140 62 

All othar, 5,176 80 

Total disbursements, .... 

Balance, 

Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . 
Cash in office, 

Total net or invested assets, 

Total Business of 1890. 



60,810 92 



$29,995 50 



$21,586 75 
8,408 75 

$29,995 50 



Policies in force at beginning of year, 
Policies written during 1890, 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, . 



Number. Amount. 

636 $544,500 00 
4,193 3,631,500 00 



4,829 $4,176,000 00 
392 310,750 00 



4,437 $3,865,250 00 

$11,857 00 
11,857 00 



350 



ASSESSMENT ENDOWMENT [Dec. 31, 



Business in Massachusetts during 1800. 

Number. Amount. 

636 - 00 

2,223 1,1117 7 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, ' 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, . 



2,859 12,462,250 00 
262 222,750 00 



2,597 $2,239,500 00 
$9,197 00 

9,19; 



ORDER OF THE INTERNATIONAL FRATERNAL ALLIANCE, 

BOSTON. 

[Incorporated June 19, 1889. Commenced business June, 15S9.] 

John Collier, President. J. F. Reynolds, Secretary. 

Office, 68 Globe Building. 



Income during 1890. 
For membership fees, 

annual dues, 

assessments, 

medical examiner's fees paid by applicant, 

borrowed money, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, £19,266 73 



60 00 


B2 38 


3,593 20 


1 00 


) 00 


399 54 


$18,435 12 


831 61 



Disbursements during 1890. 



For claims (mortuary), . 

claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 

Retained by subordinate body, 

For borrowed money, 

All other, .... 
Total disbursements, 





8725 00 




686 00 




6,013 01 




•:6 94 




200 00 




1,864 00 




749 00 




3,171 02 



16,254 97 



Balance, 



f 3,011 76 



1890.] 



CORPORATIONS. 



351 



Net or Invested Assets. 
Cost value of securities deposited with State treasurer, 
Cash deposits on reserve fund account, . 
Cash held by subordinate bodies, .... 

Total net or invested assets, . . 



§8GG 


10 


906 


66 


1,239 


10 



1,011 76 



Non-invested Assets. 

Interest and rents due and accrued, . . . f 62 83 

Fixtures, etc., 1,200 00 

Total non-invested assets, . . . 



1,262 83 



Gross assets, 



c ,274 59 



Liabilities. 

Salaries, rents and office expenses due and 

accrued, 

Borrowed money and interest, .... 
Total actual liabilities, .... 



Balance, net assets, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



5270 00 
530 00 



800 00 



1,474 59 



Number. Amount. 

741 $518,700 00 
932 652,400 00 



1,673 $1,171,100 00 
762 533,400 00 


911 


$637,700 00 

$1,411 00 
1,411 00 



Business in Massachusetts during 1890. 

Number. Amount. 

730 $511,000 00 

827 578,900 00 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



1,557 $1,089,900 00 
719 503,300 00 



838 $586,600 00 

§1,411 00 
1,411 00 



352 



ASSESSMENT ENDOWMENT [Dec. 31, 



SUPREME SITTING OF THE ORDER OF THE [RON HALL, 
INDIANAPOLIS, IND. 

[Incorporated March 28, 1881. Commenced business March 28, 1881.] 

F. D. Somebby, President. E. J. Walker, Secretary. 



Income during 1890. 
Received on account of reserve fund, 
Reserve fund in possession of subordinate sittings, 
For interest on same, 

assessments, 

registration fees, 

per capita tax, 
All other, . 



Total income, 
Balance on hand Dec 

Total, 



31, 1889, 



$5,043 99 
391,411 80 

1,31 
11. 

49,478 
13,168 

$1,822,309 60 

898,034 25 

$2,720,34 



Disbursements during 1890. 

For losses and claims (191 deaths),. . . $39,123 50 

claims (sickness and disability), . . 365,897 00 

matured endowments, .... 652,682 50 

salaries of officers and employees, . . 35,647 71 

medical examiner's fees, .... 10 22 

All other, 36,197 26 

Total disbursements, 



Balance, f 1,588,1:: 



1,182,208 19 



Net or Invested Assets 

Cost value of real estate owned, 

Cost value of stocks and bonds owned, 

Cash in office, 

held by subordinate bodies, 

in bank (expense fund), . 

Total net or invested assets, . 

Total Business oe 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



) 00 

-1 95 

_ .125 53 

958,625 26 

.502 92 

$1,588,135 66 



Number. Amount. 

45,865 ?33,520,400 00 
12,030 00 



57,895 641,094,200 00 
39 3,01' 



53,906 $37,999,118 00 



1890.] 



CORPORATIONS, 



353 



Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890,. 

Total, 

Losses and claims paid during 1890, 

Losses and claims unpaid Dec 31, . 



Number. 
119 

898 


Amount. 

3,620 00 

052,682 00 


1,017 
898 


$741,302 00 
652,682 00 


119 


$88,620 00 



Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during 1890, .... 


Number. 

8,942 
865 


Amount. 

$7,548,100 00 
761,800 00 


Total, 

Policies ceased during 1890, .... 


9,807 
571 


$8,309,900 00 
428,350 00 


Policies in force Dec. 31, 1890, .... 

Losses and claims unpaid Dec. 31, 1889, . 
Losses and claims incurred during 1890, . 


9,236 

8 
24 


$7,881,550 00 

$6,200 00 
21,040 00 


Total, 

Losses and claims paid during 1890, 


32 
24 


£27,240 00 
21,040 00 


Losses and claims unpaid Dec. 31, 1890, . 


8 


$6,200 00 



ORDER OF THE MYSTIC SEVEN", BOSTON. 

[Incorporated May 17, 1883. Commenced business April 14, 1890.] 

F. W. Whitney, President. T. J. MacEttrick, Secretary. 

Office, 179 Tremont Street. 



Income during 1890. 

For membership fees, 

assessments, 

medical examiner's fees paid by applicant, 



Total income, 



$5,524 00 

3,352 00 

757 50 

$9,633 50 



Disbursements during 1890 

For claims (sickness and disability), 
salaries and commissions to agents-, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, 



$25 00 
3,631 00 
694 00 
757 50 
812 88 



5,920 38 
13,718 12 



354 



Cash in office, 



ASSESSMENT ENDOWMENT 



Net ob fN vest ed Assets. 



Liabilities. 

Salaries, rent, and office expenses due and accrued, 

Balance, net assets, .... 

Total Business of 1890 

Policies written during: 1890, .... 
Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



[Dec. 31, 
$3,713 12 

1,652 07 

$2,1 60 45 



Number. Amount. 

1,134 11,134,000 00 
1,134 1,134,000 00 

$25 00 

00 



ORDER OF NIKE HUNDRED DOLLARS, BOSTON. 

[Incorporated April 25, 1890. Commenced business Aug. 4, 1S00.] 

B. W. Rowell, President. E. M. Brown, Secretary. 

Office, 168 Tremont Street. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments, 

medical examiner's fees paid by applicant, 
borrowed money, 



Total income, 



o 0(9 


38 00 


66 00 


1 00 


47 



Disbursements during 1890. 

For salaries and commissions to agents, . . $190 00 

medical examiner's fees, .... 57 00 

dues retained by subordinate body, . . 38 00 

All other, ' . . . 250 47 

Total disbursements, 



Balance, 



Cash in bank, 



Net or Invested Assets. 



Liabilities. 



Borrowed money, 
Deficit, . 



$601 47 



535 47 



00 



?66 00 



250 47 



i 47 



1890.] 



CORPORATIONS. 



355 



Policies written during 1890, 
Policies ceased during 1890, 



Business in Massachusetts during 1890. 

Number. Amount. 

38 $33,300 00 

10 9,000 00 



Policies in force Dec. 31, 1890, . 



28 $24,300 00 



ORDER OF THE NORTH STAR, BOSTON. 

[Incorporated April 24, 1890. Commenced business May 13, 1890.] 

Chas. O. Miller, President. E. S. Evans, Secretary. 

Office, 2 Park Square. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments, sickness, $2,932.00; expense, $1,196.00, 
medical examiner's fees paid by applicant, 

All other, 



$3,935 00 


575 


50 


4,128 00 


1,158 


00 


16 


25 



Total income, 



1,812 75 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
Retained by subordinate bodies, 

All other, 

Total disbursements, 



Balance, 



$1,125 00 

2,509 50 
1,067 07 
1,158 00 
554 50 
1,466 42 



Net or Invested Assets 

Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), .... 

Total net or invested assets, . 

Total Business of 1890 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



7,880 49 
$1,932 26 



$125 


26 


1,466 


00 


341 


00 



$1,932 26 



Number. 

797 
40 


Amount. 

$119,550 00 
6,000 00 


757 


$113,550 00 

$1,125 00 
1,125 00 



356 



ASSESSMENT ENDOWMENT [Dec. 31, 



Business in Massachusetts during 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 

421 

2.0 


Amount. 

3,160 00 
50 00 


896 


$59,400 00 

W 00 

240 00 



ORDER OF THE RED CROSS. BOSTON. 

[Incorporated Feb. 18, 1890. Commenced business March 1, 1S90.] 

Augustus W. Turner, President. Hebeb Bishov, Secret 

Office, 1 Beacon Street. 



Income during. 1890. 
For annual dues, 

disability assessments, $32,741.00 ; expense, £5,615. 00, . 

medical examiner's fees paid by applicant, 
All other, 



Total income, 



$7,318 88 
38. 
3,874 60 
15,348 18 

$64,897 56 



Disbursements during 1890. 

For claims (sickness and disability), . . $2,320 00 

salaries and commissions to agent . 29 40 

salaries of officers and employees, . . 6,606 84 

medical examiner's fees, .... 3,874 50 

Retained by subordinate bodies, ... 3 51 

Allother, tt 31 

Total disbursements, 



Balance, 



33,405 56 
$31,4 



Net or Invested Assets. 
Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 



.397 18 

444 78 

23 82 

626 22 

$31,492 00 



Non-invested Assets. 



Interest accrued, 

Gross assets, 



29 05 



£31,521 05 



1890.] 



CORPORATIONS. 



357 



Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, .... 

Total Business of 1390 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid daring 1890, 



$1,336 32 
$30,184 73 



Number. Amount. 

4,002 $100,200 00 
212 21,200 00 



3,790 $379,000 00 

$2,320 00 
2,320 00 



Business in Massachusetts during- 1890. 



Policies written during 1890, . 
Policies ceased daring 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. Amount. 

2,493 $249,300 00 
162 16,200 00 



2,331 $233,100 00 

$1,450 00 
1,450 00 



ORDER OF THE ROYAL ASSURANCE LEAGUE, BOSTON. 

[Incorporated Feb. 4, 1890.] 

Fred W. Webber, President. Edwin H. Allen, Secretary. 

Office, 74 Tremont Street. 



Income during 1890. 

For membership fees, 

assessments, sickness, $2,191.35 ; expense, $781.45, 
borrowed money, 



Total income, 



£2,334 00 
2,972 80 
2,827 43 

£8,134 23 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Total disbursements, 

Balance, 



$304 00 




967 79 




1,716 00 




359 00 




2,900 09 






6,246 88 





$1,887 35 



358 



ASSESSMENT ENDOWMENT [Dec. 31, 



Net or Invested Asset-. 

Cost value of securities deposited with State treasurer, 

Cash in oiliee, 

Cash deposits on reserve fund account, . 

Total net or invested assets, .... 









!,:■- 








Non-invested Assets. 



Interest clue, 

Gross assets, 









LlABILITII 

Salaries, rents and office exp doe and 

accrued, 

Borrowed money, 

Medical examinations and supplies, . 

Total actual liabilities, .... 

Deficit, 



r 5 00 



2,312 37 






Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 
414 
190 


Amount. 

294,00" 


■2-21 


$420,000 00 



ORDER OF SAFETY, LAWRENCE. 

[Incorporated April 23, 1890. Commenced business April 24, 1S90.] 

S. A. Bubbank, Preside?it. A. Morrison, Secretary. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments (sickness), .... 

medical examiner's fees paid by applicant, 
All other, 



11,28 
517 

9 30 

J5 00 

1,125 IS 



Total income, . 



-J 98 



1890.] 



CORPORATIONS. 



359 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Retained by subordinate body, . 

All other, 

Total disbursements, 





$560 


00 




1,299 


00 




347 


93 




585 00 




517 


50 




649 


95 



Balance, 



$3,959 38 



$1,830 60 



Net or Invested Assets. 

Cash deposits on reserve fund account, . 

Cash in bank (expense fund), 

Total net or invested assets, . 



$1,149 65 
680 95 

$1,830 60 



Liabilities. 



Printing, . 

Balance, net assets, 



121 25 



$1,709 35 



Total Business of 1890. 



PoHcies written during 1890, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, . 



Number. 


Amount 




421 


$207,800 


00 


21 


10,500 00 


400 


$197,300 


00 


— 


$560 


00 


. . . — 


560 


00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 397 $186,800 00 

Policies ceased during 1890, 19 9,500 00 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



378 


§177,300 00 


_ 


$560 00 


— 


560 00 



360 



ASSESSMENT ENDOWMENT [Dec. 31, 



ORDER OF THE SOLID ROCK, BOSTON'. 

[Incorporated Oct. 14, 1889. Commenced business Nov. 14, 1889.] 

Robert C. Huntress, President. Noah O. B 

Office, 74 Tremont Street. 



Income during I 
For membership fees, 

annual dues, 

assessments, ...... 

medical examiner's fees paid by applicant, 
All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$6,83 

3,2 : 

-8 25 
1,72 

•22,52 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
Retained by subordinate body, 

All other, 

Total disbursements, 

Balance, 



30 00 

2,665 00 

» 42 

1,723 50 

3,210 00 



75 20 



33 18 



Net ok Invested Assets. 

Cash value of securities deposited with State treasurer, 

in office, 

deposits on reserve fund account, ... 
in bank (expense fund), 

Total net or invested assets, .... 



$5,600 00 




93 


35 


25 


173 


00 



33 18 



Non-invested Assets. 



Office furniture and supplies, . 
Ledger accounts, 

Total non-invested assets, 



5 00 
1,564 80 



2.179 SO 



Gross assets, 



_ - 



1890.] 



CORPORATIONS. 



36 L 



Liabilities. 
Losses adjusted, due and unpaid, 
Borrowed money, 
Printing, 

Total actual liabilities, . 



Balance, net assets, 



$10 00 


900 


00 


129 


30 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

118 
1,149 

1,267 
111 



Losses and claims unpaid Dec. 31, 1890, 

Business in Massachusetts during 1890. 



Policies in force at beginning of year, 
Policies written during; 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

113 

739 

852 
89 



$1,069 30 
$7,293 68 



'Amount. 

$59,000 00 
571,500 00 

$630,500 00 
55,500 00 



1,156 §575,000 00 

$1,320 00 
4,280 00 



$40 00 



Amount. 

$56,500 00 
366,500 00 

$423,000 00 
44,500 00 



763 $378,500 00 

$3,460 00 
3,460 00 



"SUPREME LODGE OF THE ORDER OF TOXTI," 
PHILADELPHIA, PA. 

[Incorporated April 27, 1885. Commenced business April 27, 18S5.J 

Henry K. Wheeler, President. D. H. Kenney, Secretary. 

Income during 1890. 

For certificate fees, $4,354 00 

annual dues, 



assessments, 
interest, 
All other, . 

Total income, . 
Balance on hand Dec. 31, 1889, 

Total, . 



16,219 00 

640,644 27 

19,584 17 

6,265 21 

$687,066 x 65 

347,584 13 

$1,034,650 78 



362 



ASSESSMENT ENDOWMENT [Dec. 31, 



Disbursements during 1890. 

For claims (sickness and disability), . . $320,817 93 

For salaries of officers and employees, . . 15,1 1" 

All other, . 11, \y. 

Total disbursements, 



Balance, 



i 87 
- 91 



Net or Invested Assets. 

Cost value of bonds and stocks owned, 

Loans on mortgages, 

Cash deposits on reserve fund account, 

Cash in bank (expense fund), . 

Total net or invested asset-. . 



1160,080 01 
477,10.°, 00 

; 26 

19,389 04 

$086,788 91 



Non-invested Assets. 
Office fixtures and supplies, .... 

Bills receivable, 5,127 88 

Total non-invested assets, . . . 



■ 50 



Gross assets, $G94,365 47 

Liabilities. 



Bills payable, 

Balance, net assets, .... 

Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 81, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



1,050 71 

v )14 70 



Number. Amount. 

15,149 $13,911,000 00 



1,661 00 



17,845 $16,360,000 00 

| 20^17 00 

320,817 00 



Business in Massachusetts during 1890. 

Number. Amount 

Policies in force at beginning of year, . . . 1,045 £ 1,000,400 00 

Policies written during 1890, 113 109,400 00 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



1,168 §1,109,800 00 
B7 81,<S00 00 



1,071 $1,028,200 00 

$19,257 00 

19.257 00 



1890.] 



CORPORATIONS. 



3(53 



ORDER OF UNITY, BOSTOX. 

[Incorporated May 9, 1889. Commenced business June 7, 1889.] 

Wm. M. Newcomb, President. Carl W. Kimpton, Secretary. 

Office, 2 Park Square. 



Income during 1890. 

For annual dues, 

assessments, sickness, $23,68-4 50 ; expense, $7,152.50, 
medical examiners fees paid by applicant, 
interest, .... 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



Total, 



$1,092 05 

30,837 00 

2,7G0 00 

14 47 

10,052 32 

$44,755 84 
2,467 54 

147,223 38 



Disbursements during 1890. 

For claims (sickness and disability), . . $13,920 00 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
borrowed money repaid, 



All other, .... 
Total disbursements, 



Balance, 



6,282 90 
5,985 65 
2,760 00 
2,000 00 
3,419 14 



34,367 69 
$12,855 69 



Xet or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), .... 

Total net or invested assets, . 

Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$5,200 00 
1,795 74 
4,738 55 
1,121 40 

$12,855 69 



Number. Amount. 

738 $652,250 00 
1,840 1,733,500 00 



2,578 $2,385,750 00 
225 209,500 00 



2,353 $2,176,250 00 

$13,920 00 
13,920 00 



364 



ASSESSMENT ENDOWMENT [Dec. 31, 



Business in Massachusetts during 1800. 

Number, .'int. 

I 00 
1,000 



Policies in force at beginning of year, 
Policies written during 18 ( J0, 



Total, 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 



Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



1,632 11,472,500 00 
149 136,000 00 



) 00 

$10,110 00 
10,110 



THE ORDER OF THE WORLD, BOSTON. 

[Incorporated Oct. 29, 1889. Commenced business Oct. 30, 1889.] 

Arthur W. Pope, President. Charles F. Thompson, Secretary. 

Office, 1 Beacon Street. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments, mortuary and sickness, $22,938.77 
$13,806.65, 

medical examiner's fees paid by applicant, 

interest, $20.70 ; supplies, £268.68, . 

certificate fees, ...... 

All other, 

Total income, . . . . 

Balance on hand Dec. 31, 1889, 

Total 



expense 



$10, 

3,114 00 

36,745 42 

<9 50 
' 38 

i 76 
2,975 22 



Disbursements during 1890. 



For death losses, .... 
claims (sickness and disability), 
salaries and commissions to agents, 
Retained by subordinate bodies, 
For salaries of officers and employees, 
For medical examiners fees, . 

All other, 

Total disbursements, 



§982 46 
15,445 00 

9,782 41 

7,587 00 
9 50 

4,782 50 
13.147 02 






Balance, 



-" 59 33 



1890.] 



CORPORATIONS. 



365 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 



$3,2:)3 


66 


825 


37 


6 


38 


3,323 


92 



$7,389 33 



XON-INVESTED ASSETS. 



Interest due, 

Gross assets, 



6 70 



$7,396 03 



Liabilities. 
Losses adjusted, due and unpaid, 



Balance, net assets, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



1,110 68 



>,285 35 



Number. Amount. 

154 $149,000 00 
2,963 2.640,200 00 



3,117 $2,789,200 00 
220 201,400 00 



2,897 $2,587,800 00 

$17,445 00 
15,445 00 



§2,000 00 



Business in Massachusetts during 1890. 

Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses an claims paid during 1890, . 



Number. 

92 
1,125 


Amount. 

$88,800 03 
1,009,600 00 


1,217 
96 


$1,098,400 00 
87,200 00 


1,121 


$1,011,200 00 

$6,340 00 
6,340 00 



366 



ASSESSMENT ENDOWMENT [Dec. 31, 



THE PEOPLE'S FAVORITE ORDER, BOSTON. 

[Incorporated Dec. 30, 1889. Commenced business Jan. 6, 1890.] 

Charles R. Curtis, President. Waltek Mot; lary. 

Office, 724 Washington Street. 

Income during 1890. 

For membership fees, 

assessments, sickness, f 6,046.00; expense, $3. 2 

medical examiner's fees paid by applicant, ... 

borrowed money, 

All other, 

Total income, $1- 

Disbursements during 1890. 



For death losses, .... 
claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and emplov 
medical examiner's fees, . 
Retained bv subordinate bodies, 

All other, 

Total disbursements, 



Balance, 



2,14 

» 00 

20 00 

1..VJ 



12.245 12 
73 13 



Net ob Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in bank on reserve fund account, . 

in bank (expense fuud), 

in hands of trustees, 

Total net or invested assets, .... 

Liabilities. 



Borrowed money, 

Balance, net assets, .... 

Total Business of 1890 

Policies written during 1890, . 
Policies ceased during 1S90, 

Policies in force Dec. 31, 1890, 

Losses and claimfe incurred during 1890, . 
Losses and claims paid during 1890, 



62,51 

64 14 

1,960 15 

134 18 

$4,673 13 



1." 
?3,0'j- : 



Number. Amount. 

1.320 $387,60 

116 34. 



1.204 $353,300 00 

$2,370 00 
. 70 00 



1890.] 



CORPORATIONS. 



367 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 919 §208,000 00 

Policies ceased during 1890, 91 27,800 00 



Policies in force Dec. 31, 1890, . 



828 $240,200 00 



THE PEOPLE'S FIVE YEAR BENEFIT ORDER, BOSTON. 

[Incorporated March 16, 1889. Commenced business March 23, 1889.] 

W. L. Bakiiell, President. Isaac B. Barrett, Secretary. 

Office, 62 Boylston Street. 

Income during 1890. 

For membership fees, $33,145 00 

annual dues, 0,845 75 

assessments, endowment, $207,429.51 ; expense, $24,- 

414 09, 231,844 20 

medical examiner's fees paid by applicant, . . . 6,629 00 

interest, $1,016.10; sale of supplies, $2,414.44, . . 3,430 54 

All other, 137 14 

Total income, $282,031 63 

Balance on hand Dec. 31, 1889, 20,281 47 



Total, $302,313 10 



Disbursements dures t g 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Retained by subordinate body, . 

All other, 

Total disbursements, 



Balance, $146,910 66 



$83,917 5a 
19,355 82 
12,519 64 
5,420 00 
11,665 17 
22,524 31 



155,402 44 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 

Loans secured by mortgages, 

Cash deposits on reserve fund account, . 
Cash in bank (expense fund), 



$128,705 08 
8,000 00 
7,851 15 
2,354 48 



Total net or invested assets, . 



% 110,910 66 



3(58 



ASSESSMENT ENDOWMENT 
Non-invested Assets. 



[Dec. 31, 



Interest accrued, 
Cash iti subordinate treasuries, 
Total non-invested assets, . 



25 4 4 
16,901 36 



Gross assets, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$19,120 80 
$166,037 46 



Number. Amount 

6,272 83,120,000 00 

:.) 3.2>- • 



12,901 $6,414,800 00 



12,025 $5,970,8" 

$83,917 00 

83,917 00 



Business in Massachusetts during 1890. 

Numlif-r. Amount. 

00 
►0 1,276,0'/ 



Policies in force at beginning of year, 
Policies written during 1890, . 

Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 



7,723 $3,844,900 
268 134,000 00 



10,900 00 



PROGRESSIVE BENEFIT ORDER, BOSTON". 

[Incorporated May 12, 1S90. Commenced business May 15, 1S90 ] 

Thomas Dayey, President. Richard II. Archibald, Secretary. 

Office, 127 a Tremont Street. 



Income during 1890. 



For membership fees, 
For assessments, 
All other, . 



19 00 

58,988 68 

210 15 



Total income, 8135,51, 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 

All other, 

Total disbursements, 

Balance, 



§1,180 00 

54,917 73 

5^43 05 

7,702 95 



69,643 73 
74 10 



1890.] 



CORPORATIONS. 



369 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . 
Bonds and stocks not in State treasury, .... 

Cash in office, 

Cash deposits on reserve fund account, . . . . 

Total net or invested assets, 



$20,714 61 

13,417 28 

7,977 83 

23,764 38 

$65,874 10 



Total Business of 1890 

Policies written during- 1890, .... 
Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. Amount. 

18,981 $1,897,300 00 
645 64,350 00 



18,336 $1,832,950 00 

$1,180 00 
1,180 00 



Business in Massachusetts during 1890. 

Policies written during 1890, .... 
Policies ceased during 1890, .... 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 

5,150 
176 


Amount. 

$514,200 00 
17,450 00 


4,974 


$496,750 00 
$830 00 

830 oa 



ORDER OF THE ROYAL ARK, BOSTON. 

[Incorporated Dec. 23, 1889. Commenced business Jan. 10, 1890.] 

William H. Lane, President. L. C. Powers, Secretary. 

Office, 53 Tremont Street. 

Income during 1890. 

For membership fees, $66,965 00 

annual dues, ' 4,404 75 

assessments, endowment, $198,614; expense, $22,381, . 220,995 00 

medical examiner's fees paid by applicant, . . . 423 00 

interest, 1,829 32 

All other, 5 ? 182 71 

Total income, $299,799 78 



370 



ASSESSMENT ENDOWMENT [Dec. 31, 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

All other, 

Retained by subordinate bodies, 
Total disbursements, 



$950 00 

53,31." 00 

22,264 48 

290 50 

13,846 63 

4,7-12 00 






Balance $204,393 17 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . 
Cash in office, 

deposits on reserve fund account, .... 

in bank (expense fund), 

Total net or invested assets, 



$155,13' 

13 00 
1 00 

4s 

3 17 



Total Business of 1890. 



Policies written during 1890, . 
Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 

14,465 
246 


Amount. 

$1,44 

24,600 00 


14,219 $1,421,050 00 

$950 00 
950 00 



Business in Massachusetts during 1890. 

Number. Amount. 

Policies written during 1890, 11,177 ? 1,1 17,300 00 

Policies ceased during 1890, 162 16,200 00 



Policies in force Dec 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



11,015 $1,101,100 00 

$930 00 
930 00 



1890.] 



CORPORATIONS. 



371 



SONS AND DAUGHTERS OF AMERICA, FALL RIVER. 

[Incorporated Sept. 16, 1889. Commenced business Oct. 7, 1889.] 

John W. Whittaker, President. James Hiland, Secretary. 



Income during 1890. 

For membership fees, 

annual dues, 

assessments, siekncss, $1,901 ; expense, $657, 
medical examiner's fees paid by applicant, 
interest, 

All other, 



Total income, . 
Balance on hand Dec. 31, 1889, 



$460 


00 


622 00 


2,558 


00 


170 


50 


5 


73 


53 


50 


13,869 


73 


328 00 



Total, 



1,197 73 



Disbursements during 1890. 



For claims (sickness and disability), 


$1,150 00 


salaries and commissions to agents, . 


550 00 


salaries of officers and employees, . 


351 00 


medical examiner's fees, . 


170 50 


Retained by subordinate bodies, 


463 00 




737 96 


Total disbursements, 







3,422 46 

$775 27 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 



Total net or invested assets, . 



$335 


00 


48 


83 


280 00 


111 


44 



$775 27 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



Number. 


Amount. 


144 


$142,000 00 


115 


110,500 00 



259 

67 



$252,500 00 
63,500 00 



192 $189,000 00 

$1,150 00 
1,150 00 



372 



ASSESSMENT ENDOWMENT [Dec. 31, 



THE UNION ENDOWMENT, BOSTON. 

[Incorporated June 19, 1889. Commenced buBinees June 19, 1889.] 

W. W. Dwyer, President. Edwin L. Nelson, Secretary. 

Office, 1 Beacon Street. 



Income during 1890. 

For membership fees, 

assessments, sickness, 821,685.80; expense, $5,309.70, 

medical examiner's fees paid by applicant, 

borrowed money, 

All other, 



Total income, 
Balance on hand Dec. 31, 1889, 



Total, 



|4,926 
26, 

86 

778 84 

1,341 90 

$35,120 74 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 

Retained by subordinate body, 

For borrowed money repaid, 

All other, .... 

Returned to members, 

Total disbursements, 



$13,770 00 

00 

4.:»20 77 

1,298 00 

500 40 

1,000 00 

39 45 

14 10 



Balance, 



. 



$9,0.v . 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Cash in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 



$8,127 


28 


10 00 


771 


59 


179 


15 



$9,0> - 



Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, 



461 62 



£8,626 40 



1890.] 



CORPORATIONS. 



373 



Policies in force at beginning of year, . 

Policies written during 1890, 


Number. ' 

1,071 
821 


Amount. 

8512,300 00 
402,100 00 


Total, 

Policies ceased during 1890, 


1,892 
180 


$914,400 00 
85,400 00 


Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, . . 

Business in Massachusetts duri 

Policies in force at beginning of year, 
Policies written during 1890, .... 


1,712 
NG 1890. 

Number. 

1,046 
576 


$829,000 00 

$13,770 00 
13,770 00 

Amount. 

$499,800 00 
279,600 00 


Total, 

Policies ceased during 1890, .... 


1,622 
134 

1,488 


$779,400 00 
29,100 00 


Policies in force Dec. 31, 1890, .... 


$750,300 00 



THE UNITED ENDOWMENT LEAGUE, BOSTON. 

[Incorporated June 21, 1889. Commenced business July 2, 1889.] 

Wm, M. Armstrong, President. Jas. R. Boyd, Secretary. 

Office, 131 Devonshire Street. 



Income during 1890. 
For annual dues, 

assessments, mortuary, $19,054.68 ; expense, $13,154.75, 

interest, 
All other, . 



Total income, 
Balance on hand Dec 



Total, 



31, 1889, 



$2,581 50 

32,209 43 

41 36 

331 10 

$35,163 39 

1,556 98 

$36,720 37 



Disbursements during 1890. 



For claims (deaths), . 

claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 

Returned to members, 

All other, 

Total disbursements, 

Balance, 



$2,500 00 

130 55 

2,513 90 

6,800 54 

66 00 

6,363 41 



18,374 40 
$18,345 97 



374 



ASSESSMENT ENDOWMENT [Dec. 31, 



Net or Invested Assets. 
Cost value of securities deposited with State treasurer, . 

Cash in office, 

Cash deposits on reserve fund account, .... 

Total net or invested assets, 



$15,759 00 
2,524 47 

:i!5 97 



Liabilities. 
Losses adjusted, due and unpaid, 



Balance, net assets, 



2,000 00 
116,345 97 



Total Business of 1890. 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



Nun.: Amount. 

216,800 00 
1,403 691,300 



8,100 00 

129 62,900 00 



1,708 |845,200 00 

$4,630 00 

- 



$2,000 00 



Business in Massachusetts during 1890. 

Number. Amount. 

412 1,100 00 

1,:. 641,700 00 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 

Losses and claims unpaid Dec. 31, . 



1,712 1842300 00 
121 58,900 00 



,900 00 

$4,625 00 
_3 00 



§2,000 00 



1890.] 



CORPORATIONS. 



375 



UNITED ORDER OF EQUITY, BOSTOX. 

[Incorporated Aug. 10, 1889. Commenced business Sept. 21, 1889.] 

Charles B. Dunkerton, President. W. K. Knowles, Secretary. 

Office, 27 School Street. 

Income during 1890. 

For mortuary assessments, $3,326 16; sickness, $10,349.71; 

expense, f 3,955.08, $17,630 95 

medical examiner's fees paid by applicant, . . . 1,740 00 

interest, 110 00 

Allother, 4,557 27 

Total income, $24,038 22 

Balance ou hand Dec. 31, 1889, 166 17 

Total, $24,204 39 



Disbursements during 1890. 



For claims (4 deaths), 

claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 

Retained by subordinate bodies, 

For borrowed money repaid, . 

All other, 

Total disbursements, 



Balance, 



$2,000 00 
2,905 00 
2,891 40 
2,832 65 
1,740 00 
375 00 
300 00 
1,882 59 



14,926 64 
$9,277 75 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, 
Casli in office, 

deposits on reserve fund account, . 

in bank (expense fund), 

Total net or invested assets, .... 



$5,538 31 

303 71 

1,072 51 

2,363 22 

$9,277 75 



Non-invested Assets. 

Bills receivable, 

Office fixtures, 

Total non-invested assets, 



$95 25 
533 00 



628 25 



Gross assets, 



$9,906 00 



376 



ASSESSMENT ENDOWMENT [Dec. 31, 



Liabilities. 

Salaries, rent and office expenses due and accrued, $159 02 

All other, 68 70 

Total actual liabilities, . 



Balance, net assets, 



Total Business of 1890 



Policies in force at beginning of year, 
Policies written during 1890, . 



Total, 

Policies ceased during 1890, 

Policies in force Dec. 31, 1890, 

Losses and claims incurred during 1890, 
Losses and claims paid during 1890, 



$228 32 



$9,G77 C8 



Number. Amount. 

400 $199,500 00 
873 432,750 00 



1,273 $632,250 00 
100 48,250 00 



1,173 £584,000 00 

£4,905 00 
4,905 00 



Business in Massachusetts during 1890. 

Number 

Policies in force at beginning of year, 
Policies written during 1890, . 



Total, . . . . • . 
Policies ceased during 1890, 

Policies in force Dec. 31, . 

Losses and claims incurred during 1890, 
Losses and claims unpaid during 1890, 



Amount. 

400 1199,500 00 
763 379,000 00 



1,163 £578,500 00 
88 42,250 00 



1,075 £536,250 00 

$4,795* 00 
4,795 00 



UNITED STATES TWO YEAR BENEFIT ORDER, BOSTON. 

[Incorporated April 26, 1890. Commenced business May 1, 1890.] 

Chas. W. Tkefry, President. Joshua C. Simmons, Secretary. 

Office, 725 Washington Street. 

Income during 1890. 

For assessments, $3,615 00 

medical examiners fees paid by applicant. . . . 1.299 00 

borrowed money, 100 00 

All other, 7,293 70 

Total income, $12,307 70 



1890.] 



CORPORATIONS. 



377 



Disbursements during 1890. 



For claims (sickness and disability), 
salaries and commissions to agents, 
salaries of officers and employees, 

All other, 

Total disbursements, 



$285 00 

3,519 25 

2,750 25 

1,820 25 



$8,380 75 



Balance, 



$3,926 95 



Net or Invested Assets. 

Cost value of securities deposited with State treasurer, . 

Cash in office, 

Cash deposits on reserve fund account, .... 

Total net or invested assets, 



$2,097 


47 


619 


97 


1,209 


51 



$3,926 95 



Liabilities. 

Salaries and expenses due and accrued, . 

Borrowed money, 

Total actual liabilities, . 

Balance, net assets, 



$743 08 
100 00 



843 08 



$3,083 87 



Total Business of 1890. 

Policies written during 1890, .... 
Policies ceased during 1890, . . . . 

Policies in force Dec. 31, 1890, .... 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



Number. 

1,298 
52 


Amount. 

$257,500 00 
10,400 00 


1,246 


$247,100 00 

$285 00 
285 00 



Business in Massachusetts during 1890. 

Number. Amount. 

900 f 178,500 00 

44 8,800 00 



Policies written during 1890, . 
Policies ceased during 1890, 



Policies in force Dec. 31, 1890, . 

Losses and claims incurred during 1890, . 
Losses and claims paid during 1890, 



856 $169,700 00 

$285 00 
285 00 



LIFE, ACCIDENT AND CASUALTY 

INSURANCE COMPANIES 

OF OTHER STATES 



Authorized to do Business in Massachusetts, and the Amount of 

Business done for the Year ending October 31, 1890, 

as returned to the tax commissioner, 

and by him compiled. 



380 



LIFE, ACCIDENT AND 



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CASUALTY COMPANIES. 



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GENERAL AGENTS 



OF 



LIFE AND ACCIDENT COMPANIES. 



384 



GENERAL AGENTS OF 



[Dec. 31, 



GEXERAL AGEXTS. 



.Etna, . 



American Casualty, 



Connecticut General. 



Connecticut Mutual, 
Employers 1 Liability Assurance, 

Equitable Life Assurance, . 

Fidelity and Casualty, 

Germania, 
Home, . 
Manhattan, . 
Metropolitan, 

Mutual, . 

Mutual Benefit, 
National, 

New York, . 



Northwestern Mutual, . 



c Chester Dwight, Boston. 
I Pierce, C. II., Northampton. 
/'Pynchon ft Stickney, Springfield. 
) Paige, John < ' , Boston. 
CGray, Win. R., Boston. 
'Bancroft, Charles A., Winchendon. 

Burke, Charles S., Boston. 

Field, Edwin G., Worcester. 

Lamb, Alfred, Brockton. 

Williams, Nathan 8., Springfield. 

Collins, Michael B., Turner's Falls. 

Bryce, Thomas P., W.u 
^Sawyer, Horace E , Springfield. 

Kilburn, D. W., Boston. 
\ Endicott & Macomber, Boston. 
) Appleton, Samuel. Boston. 
/'Warren, Nathan, Boston. 
2 Simons, Henry K . Springfield. 
C Dunham. E. A , Bo-ton. 
( Ellison, Coolidge & Co., Boston. 
( Holden, Chas. W., Boston. 

(Vacant.) 

Osborn, E. II., Boston. 

Downs, David. Boston. 

Drouet, Charles. Boston. 
( Hopkins. Charles A., Boston. 
) Sutton, George II.. Springfield. 

Hedges & Hodges, Boston. 

Phelps, James T., Boston. 
fCalef, Benjamin S.. Boston. 
) Hadley, Edson P, Springfield. 
CDows, Joseph W., Easton. 
( Bache & Smith, Boston. 
J Kilgore, J. M., Lowell. 
1 Priestly, George, New Bedford. 
^ Clark, Judson G., Springfield. 



1890.] LIFE AND ACCIDENT COMPANIES. 



385 



Penn Mutual, 

Provident Life and Trust, 
Provident Savings, 

Standard Life and Accident, 
Travelers', .... 

Union Mutual, 

United States, 

Washington, .... 



( Plvmpton & Bunting, Boston. 
( Barnard Brothers, Boston. 

Hammer, Charles D., Boston. 

Buckley, O. H. & W. A., Boston. 
( Darling, H. E., Boston. 
I Warriuer, S. C, Springfield. 

Woodman, Stephen F., Boston. 
/'Craig, Stedman W., Springfield. 
) Broad, Aaron G., Worcester. 
vBridgham, R. C, Boston. 

Curtis, Albert H., Boston. 

Holden, Chas. W., Boston. 



INDEX. 



INDEX TO COMPANIES. 



[For Index to General Topics and Tables, see Table of Contents prefacing the 
Commissioner's Report.] 



LIFE, ACCIDENT AND GUARANTEE COMPANIES. 

Page 

JEtnaLife, 41 

American Mutual Liability, 189 

American Steam-Boiler. (Discontinued business ; authority expired March 31.) 

American Surety Company 190 

Berkshire Life, 3 

Connecticut General Life, 53 

Connecticut Mutual Life, 58 

Conveyancers' Title Insurance Company, 192 

Employers' Liability, 193 

Equitable Life 63 

Fidelity and Casualty, 195 

Germania Life, 71 

Guarantee Company of North America, 200 

Hartford Steam-Boiler, ..." 202 

Home Life, 76 

John Hancock Mutual Life, 8 

Lloyds Plate-Glass, 206 

Manhattan Life, 82 

Massachusetts Hospital Life, . 14 

Massachusetts Mutual Life, 15 

Massachusetts Title Insurance Compa: v 208 

Metropolitan Life 95 

Metropolitan Plate-Glass, 209 

Mutual Life, • . 100 

Mutual Benefit Life, 113 

Mutual Boiler, Boston, 211 

National Life, 123 

New England Mutual Life, 22 

New York Life, 130 

Northwestern Mutual Life 140 

Penn Mutual Life 145 

Provident Life and Trust, 151 

Provident Savings 158 



390 INDEX TO COMPANIES. 

Paob 

Standard Life and Accident, 212 

State Mutual Life 31 

Travelers' (Life Department), 

Travelers' (Accident Department), 214 

Union Mutual Life, 169 

United States Guarantee Company, 217 

United States Life, 177 

Vermont Life, v 

Washington Life 182 

ASSESSMENT LIFE AND CASUALTY INSURANCE COMPANI1 

American Accident Assurance Association, . . . . , . . . 221 

Atlantic and Pacific Mutual Accident Company, 

Bankers' Life Association, (St. Paul), 

Bay State Beneficiary Association, 223 

Berkshire Health and Accident 

Chelsea Reserve Fund Association 

Covenant Mutual Benefit Association (Illinois), 

Economic Accident, 

Employees' Accident, 

Equitable Mutual Relief Society, x 

Fidelity Mutual Life Association, 2-53 

Fraternal Accident Association of Improved Order of Red Men (in hands of 

receiver), ix 

Grey lock Beneficiary, 

Hartford Life and Annuity Company, 

Home Benefit Association, 

Home Relief Association, 230 

Life and Casualty Assurance Association, ix 

Life and Reserve Association, ix 

Maine Benefit Association, 

Massachusetts Benefit Association, 232 

Massachusetts Mutual Accident Association, 234 

Massachusetts Mutual Aid Society 

Massachusetts Safety Fund Association, ix 

Massachusetts Standard Benefit Company, x 

Mercantile Benefit Association of New York, 

Mercantile Mutual Accident Association, 237 

Mutual Benefit Life Association (New York), 262 

Mutual Reserve Fund Life Association (New York) 265 

National Life Maturity Association, 267 

New England Live Stock, 239 

New England Mutual Accident Association, 240 

New England Relief Association, ix 

Northwestern Masonic Aid Association, 269 

Ohio Valley Life Company, ix 

Pioneer Life and Casualty, 242 

Provident Aid Society, Portland, Me., 271 

Union Mutual Benefit Association, 224 

United States Mutual Accident Association, 

Western Union Mutual Life Society of the L T nited States, 275 

Young Men's Relief Association of Westtield, ix 



INDEX TO COMPANIES. 



391 



FRATERNAL BENEFICIARY ASSOCIATIONS. 

Masonic. 

Page 

Boston Masonic Mutual Benefit Association xliv 

Central Massachusetts Masonic Mutual Relief Association, xliv 

Eastern Massachusetts Masonic Mutual Relief Association, xliv 

Essex County Masonic Mutual Relief Association, xliv 

Lawrence Masonic Mutual Relief Association, xliv 

Masons Fraternal Accident Association, xliv, 279 

Massachusetts Masonic Accident Association, xliv 

Massachusetts Masonic Mutual Relief Association, xliv 

National Health and Accident, Masonic xliv 

Right Arm Masonic Mutual Relief Association, xliv 

Southern Massachusetts Masonic Mutual Relief Association, .... xliv 

South Shore Masonic Mutual Relief Association, xliv 

Suffolk Masonic Mutual Relief Association, xliv 

Union Masonic Mutual Relief Association, xliv 

United States Masonic Accident Association, xliv 



Odd Felloios. 

Cambridge Odd Fellows Mutual Relief Association, 
Charlestown Odd Fellows Mutual Benefit Association, . 
Chelsea Odd Fellows Mutual Benefit Association, . 
Connecticut River Valley Odd Fellows Mutual Relief Association 
Daughters of Rebekah Mutual Benefit Association, 
Dorchester Odd Fellows Mutual Benefit Association, . 
Essex North Odd Fellows Mutual Benefit Association, . 
Fraternal Accident Odd Fellows Association, 
Lowell Odd Fellows Mutual Benefit Association, . 
Lynn Odd Fellows Mutual Benefit Association, 
New England Provident Association, I. O. 0. F., . 
Odd Fellows National Health and Accident Association, 
Protective Union Odd Fellows Association, .... 
Provincetown Odd Fellows Mutual Benefit Association, 
Worcester County Odd Fellows Mutual Relief Association, . 



IX 

xlv 
xlv 
xlv 
xlv 
xlv 
xlv 
xlv, 280 
xlv 
xlv 
xlv 
ix 
xlv 
xlv 
xlv 



Other Secret. 

American Hebrews, Independent Order of, ix 

American Legion of Honor, xlv, 281 

Athenians, Fraternal Order of, xlv 

Chevaliers and Ladies of Industry xlv 

Chevaliers of Pythias, xlv 

Columbia, Order of, xlv 

Druids, American Order of, xlv 

Equitable Aid Union, xlvi, 283 

Foresters, Ancient Order, Grand Court of Massachusetts, xlvi 

Foresters, Court Merrimac, . , xlvi 

Fraternal Aid, Order of, xlvi 

Fraternal Union, Independent, xlvi 

Get There American Benefit Association, xlvi 

Golden Cross, United Order of, xlvi, 285 

Golden Cross, Boston Relief Association, United Order of ix 

Golden Lion, United Order of, . xlvi 

Golden Rule Alliance, xlvi 

Good Fellows, Royal Society of, xlvi, 287 



392 INDEX TO COMPANIES. 

Good Samaritan, Order of, xlvi 

Good Templars Mutual Aid, Massachusetts xlvi 

Harvard Relief Association xlvi 

Hibernians, Ancient Order, Board of Erin, xlvi 

Hibernians, Ancient Order, Division No. 6 xlvi 

Hibernians, Ancient Order, Widows' and Orphans' Fund, xlvi 

Home Circle, xlvi 

Home Legion, xlvii 

Industry, New England Order of, xlvii 

Knights of Honor xlvii, 290 

Knights and Ladies of Honor, xlvii, 202 

Knights and Ladies, Royal Conclave of, xlvi 

Knights of Pythias, Endowment Rank, xlv; 

Knights of Pythias, Bunker Hill xlvii 

Loyal Orange Institution, Grand Lodge, xlvii 

Loyal Orange Institution, Maiden City Lodge, xlvii 

New England Order of Protection, xlvii, 297 

Northern Legion, xlvii 

Northern Mutual Relief Association, xlvii, 299 

Odd Ladies, United Order of, xlvii 

Pilgrim Fathers, United Order of, xlvii, 300 

Pilgrims of the Golden Circle, xlvii 

Powhatan Benefit Association, xlvii 

Pythian Benevolent Association xlvii 

Pythian Brotherhood, United, xlvii 

Red Men's Fraternal Accident Association, xlvii 

Red Men's Mutual Relief Association, xlviii 

Royal Arcanum, xlviii, 301 

Royal League of the Star and Crescent, xlviii 

Scottish Clans, American Order of, xlviii 

Scottish Clans, Order of, xlviii, 304 

Sons of St. George, Friendship Lodge, xlviii 

Sons of St. George, Grand Lodge, xlviii 

Sons of St. George, Merrimac Lodge, xlviii 

Suffolk Mutual Benefit Association xlviii 

Terra Novian Association, xlviii 

United Benevolent Association, Massachusetts, xlviii 

United Fellowship, xlviii 

United Friends, xlviii, 305 

United Workmen, xlviii, 307 

MISCELLANEOUS. 

Bank Officers' Association, xlviii 

Boston and Maine Railroad Relief Association, xlviii 

Bolyston Mutual Aid Society, xlviii 

Bristol County Mutual Aid Society, xlix 

Cambridge Benevolent Association, xlix 

Canadian Union, St. John Baptist, xlix 

Chelsea Mutual Benefit Association, xlix 

Columbian Mutual Benefit Association xlix 

Commercial Travelers' Association, New England, xlix, 30S 

Deutscher Unterstuctzungs-Verein, xlix 

Firemen's Relief Association, Beverly, xlix 

Firemen's Mutual Relief Association, Boston, xlix 

Firemen's Relief Association, Bradford xlix 

Firemen's Relief Association, Clinton, xlix 



INDEX TO COMPANIES. 393 

Pagb 

Firemen's Relief Association, Quincy, xlix 

Firemen's Relief Association, Whitman, xlix 

Firemen's Relief Association, Winchester xlix 

Franklin Mutual Benefit Association, xlix 

Fraternity League, Boston, xlix 

Fruit and Produce Exchange Beneficiary Association, xlix 

Garabaldi Italian Society, xlix 

Glenmere Mutual Benefit Association xlix 

Haverhill Hebrew Beneficiary, 1 

Hey wood Accident Association, 1 

Icemen's Union, Boston Lodge No. 1, 1 

Letter Carriers' Mutual Benefit Association, Boston, 1 

Lynn Fire-Department, Relief Association of, 1 

Lynn Mutual Benefit Association, 1 

Maiden Fire Department, Relief Association of, 1 

Maiden Mutual Benefit Association, 1 

Mechanics' Mutual Aid Society, 1 

Methodist Ministers' Relief Association, 1 

Metropolitan Mutual Aid Association, 1 

Middlesex & Worcester Farmers & Mechanics Association 1 

Milford Mutual Relief Association, 1 

Military Society for Mutual Succor (Italian), 1 

Mystic Brothers, Independent Order of, ix 

Norwegian Society of Sept. 19, 1853, 1 

Old Colony Railroad Beneficial Association, 1 

Peabody Mutual Benefit Association 1 

Plymouth Mutual Benefit Association, li 

Police Relief Association, Boston, li 

Police Mutual Aid Association, Cambridge, li 

Police Relief Association, Chelsea, li 

Police Relief Association, Lawrence, li 

Police Association, New Bedford li 

Police Relief Association, Somerville, li 

Police Relief Association, Worcester, li 

Polish Mutual Aid Society, li 

Praner Charitable Association, li 

Prevoyance, La (French) li 

Progress and Help, . li 

Railway Passenger Conductors Benevolent Association, New England, . . li 

Rand Avery Supply Company Benefit Society, li 

Retail Clothing Salesmen's Benefit Association, li 

Revere Rubber Company Emp. Mutual Benefit Association, li 

Royal Italian Marine Society li 

Roxbury Penny Aid Society, li 

Sagamore Mutual Benefit Association, li 

St. Andre Corporation lii 

St. John Baptist Mutual Aid Society, Grafton lii 

St. John Baptist Benevolent Society, Indian Orchard, lii 

St. John Baptist Society, Manchaug, lii 

St. Joseph's Society of Polish Lithuanians, lii 

St. Joseph Union, Wayland, ix 

St. Lawrence Catholic Total Abstinence and Beneficial Society, .... lii 

St. Mary's R. C. Total Abstinence Benevolent Literary Society, .... lii 

Salem Mutual Benefit Association, Hi 

Scandinavian Hundred Men Society, lii 

Scandinavian Mechanics' Society, Hi 



394 INDEX TO COMPANIES. 

Society of Beneficence, St. John Baptist, Lynn, lii 

Societa Italiana Unione e Fratellanza, lii 

Societa di Mutuo Soccorso, Stella d' Italia, lii 

SocietC St. Joseph de Secours Mutuels lii 

Sons of Veterans Benefit Association, ix 

Steamboat Pilots, American Brotherhood of, lii 

Teachers' Mutual Benefit Association, Boston, lii 

Theatrical Mechanics' Association, Lynn, lii 

Theodore Winthrop Benefit Association, liii 

The Union liii 

Traders' Benefit Association, Boston, liii 

Union des Ouvriers Society, liii 

Warren Fraternal Benefit Association liii 

Wenham Mutual Benefit Association, liii 

Winchester Mutual Benefit Association, liii 

Woburn Mutual Benefit Association, liii 

Young Men's Mutual Aid Society, liii 

Young Men's Protestant Temperance and Benevolent Society, .... liii 

Zylonite Benefit Association, ix 

ASSESSMENT ENDOWMENT CORPORATIONS. 

Abraham Lincoln Benefit Association, 313 

American Co-operative Union, 314 

American Friendly Society, 315 

American Protective League, 316 

American Provident Union, Ixiv 

Bay State League 318 

Catholic Crusaders of the Holy Cross 319 

City of Boston Five Year Endowment, Ixiv 

Commercial Endowment Association 319 

Fraternal Associates of America, 321 

Friendly Aid Society, 322 

Guardian Endowment Society, 323 

Household Benefit Association, 32-5 

Industrial Benefit Order, 

Industrial Order of America, 327 

International Benefit Order, 328 

Knights and Ladies of Columbia, 329 

Knights and Ladies of Protection, 330 

Massachusetts Prudential Order, 331 

Mutual One Year Benefit Order, 332 

National Benefit Union, 333 

National Congress of Friends, 334 

National Fraternal and Beneficial Union, 336 

National Three Year Benefit Order, 337 

North American Endowment Associates, • • • 338 

Non-Secret Endowment Society, 339 

Order of ^Egis, 340 

Order of the Annual Friend, 341 

Order of the Benevolent Union, 343 

Order of Franklin, 344 

Order of Fraternal Circle, 345 

Order of the Golden Grail, 346 

Order of the Golden Temple, 34S 

Order of the Helping Hand, ... 349 

Order of International Fraternal Alliance, 350 



INDEX TO COMPANIES. 395 

Page 

Order of the Iron Hall, 352 

Order of the Mystic Seven, 353 

Order of Nine Hundred Dollars, 354 

Order of the North Star, . 355 

Order of the Rainbow, lxvi 

Order of the Red Cross, 356 

Order of the Royal Assurance League, 357 

Order of Safety, 358 

Order of the Solid Rock, 360 

Order of Tonti, 361 

Order of Unity 363 

Order of the World, 364 

People's Favorite Order, 366 

People's Five Year Benefit Order, 367 

Progressive Benefit Order, 368 

Royal Ark, 369 

Sons and Daughters of America, 371 

Union Endowment ... 372 

United Endowment League, 373 

United Order of Equity, 375 

United States Two Year Benefit Order, 376